What Is Kotak Urban Gold Credit Card?

Kotak Urban Credit Card Benefits

Various types of credit cards have been issued by Kotak Mahindra Bank keeping in mind the needs of the customers. In this, from lifestyle credit card to corporate credit card, all types of credit cards are provided by Kotak Mahindra Bank.

Kotak Urban Gold Credit Card has been issued by Kotak Mahindra Bank keeping in mind the needs of customers who make large purchases. You can get 3 times reward points on shopping through this credit card and you can redeem your reward points later.

There is no need to pay any joining fee for Kotak Urban Gold Credit Card and the annual fee charged on it is Rs 199 which is very low.

Further we will provide you detailed information about the benefits of Kotak Urbane Gold Credit Card. Along with providing information about the eligibility, documents and fee charges required for applying for Kotak Urban Gold Credit Card, we will also tell you how to apply for the card.

Kotak Urban Gold Credit Card Features

Features and Benefits of Kotak Urbane Gold Credit Card are as follows-

1. Earn 3X Reward Points:

Whenever you make retail transactions through your Kotak Urban Credit Card, you are offered 3X points for every Rs 100 spent.
To redeem these reward points, you must have at least 1000 reward points, only then you can redeem your reward points.
The redeemable value of 1000 reward points will be Rs100.

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2. Urbane Shield:

In Kotak Urban Gold Credit Card, you are also provided with insurance protection called Urban Shield. If your Kotak Urban Credit Card is stolen and you inform it on the customer care number of Kotak Mahindra Bank, then if your credit card is An insurance benefit of up to Rs50,000 is provided for fraudulent transactions within 7 days.

3. Add-on Card:

You can also avail the benefit of adding an add-on card to your Kotak Urban Gold Credit Card. Through this, you can also provide credit card benefits to your family members.

The add-on card will also be provided with the same benefits as the primary credit card holder.
The primary card holder is provided the option to set a spending limit on the add-on card.
The option to track money spent on the add-on card is provided to the primary card holder. With its help, you can easily track the expenses incurred through add-on cards.

4. Milestone Feature:

Under the milestone feature in Kotak Urban Gold Credit Card, you get the benefit of four free PVR tickets or you can stand a chance to win Rs10000 reward points. For this, you have to make a transaction of Rs 1 lakh in 1 year through your Kotak Urban Gold Credit Card.

Kotak Urban Gold Credit Card Eligibility Criteria

The eligibility criteria for Kotak Urbane Gold Credit Card application are as follows-

1. The minimum age of the applicant should be between 21 years to 65 years. For add-on card, the applicant must be 18 years and above.
2. Applicant’s income is Rs. Should be Rs 3 lakh per year or more.
3. The applicant must be a resident of India.
4. Applicant should be from cities like Ahmedabad, Bangalore, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune etc.

Documents Required For Kotak Urban Gold Credit Card.

For Kotak Urban Gold Credit Card application, required documents will have to be submitted along with the application form which are as follows-

1. Proof of Identity (any one of the following):

• PAN card,
• Aadhar card,
• Driver’s license,
• Passport,
• Voter ID card,
• Job card issued by NREGA,

2. Proof of address (any one of the following):

• Aadhar card,
• Driver’s license,
• Passport,
• Utility bill (not older than 3 months)
• ration magazine,
• property registration documents,
• Job card issued by NREGA,
• Bank account statement

3. Amount of Income:

• Latest one or 2 salary slips (not older than 3 months),
• latest form 16,
• Bank statement of last 3 months