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Kotak Mahindra Bank
Kotak Urbane Gold Credit Card
Mastercard
Kotak Urbane Gold Credit Card
A bare-bones Gold Mastercard with a token ₹199 annual fee — the flat 0.75% reward rate never accelerates, so the PVR ticket perk on ₹1 lakh yearly spend is really the only reason to hold it.
Rates and fees last verified 15 July 2026.
Annual fee
₹199
Joining fee
₹0
Reward type
points
Base reward rate
0.75%
Card network
Mastercard
Card tier
Entry
Benefits by category
- 🍽️ Dining & food delivery
0.75% reward rate
- 🛍️ Shopping
0.75% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹500–₹3,000
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 4 complimentary PVR movie tickets or 10,000 reward points on ₹1,00,000 annual retail spend
- 1% fuel surcharge waiver on transactions between ₹500–₹3,000
Pros
- + Nominal ₹199 annual fee
- + 4 free PVR tickets (or 10,000 points) on ₹1L yearly spend
- + Fuel surcharge waiver on everyday fills
Cons
- − Flat, unaccelerated 0.75% reward rate everywhere
- − No lounge access or travel perks
- − Movie benefit is the only real differentiator