Urbane Gold Credit Card Fees and Charges, Avail Credit Card with Amazing Offers Online

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Fees and Charges

Fees & Charges
Fee & other Parameters	Urbane
Joining Fees	Nil
Annual Fees	Rs. 199
Condition for waiver of Annual Fees - First Year	Minimum retail spends of Rs.15000 each year
Condition for waiver of Annual Fees - Second Year	Minimum retail spends of Rs.15000 each year
Addon card Fees	Nil
Interest Charges on outstanding Balances	3.50% (Annualized 42%)
Interest Charges on outstanding Balances	3.50% (Annualized 42%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	MAD can be 5% or 10% of TAD as decided by the Bank
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per ₹ 10,000 or part thereof	Max of (2.5% on advance amount and ₹500)
Late Payment Charges ("LPC")	Due as per last statement (INR)	Late Payment Charges (INR)
	<₹100	0
	₹100 - ₹500	100
	₹501 - ₹5,000	500
	₹5,001 - ₹10,000	600
	₹10,001 - ₹25,000	800
	₹25,001 - ₹50,000	1000
	>₹50,000	1200
Over Limit Charge	Rs. 500
Cheque Bounce Charges	Rs. 500
Foreign Currency Mark Up	3.5%
Railway Booking Surcharge Waiver	Not Applicable
Fuel Surcharge Waiver	Not Applicable
Fee for Cash payment at Bank	Rs. 100
Outstation Cheque Processing Fee	Waived
Reissue/ Replacement Card (per issunace)	Rs. 100
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non Parent Bank ATM	Waived
Duplicate Statement Request	Waived
Web Pay Service Fee	Waived
Please Note:
GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card

Learn more the reward redemption of the Urbane Gold Credit Card.
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Frequently Asked Questions

What is a credit card balance transfer?

Credit card balance transfer is the process of transferring owed balance from one credit card account to another. Upon carrying out this process, the debt is owed to the new card issuer as opposed to the original card issuer.

Why should I select a Kotak Credit Card?

Kotak Credit Cards symbolize the following guiding principles:

Simplicity

Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.

Transparency

Kotak Credit Cards are transparent in communicating upfront what the Card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this Card.

Relevance

Kotak Credit Cards have understood what you need the most from your credit Card, and have been designed to give you only those benefits that are most relevant for you.

This promise from Kotak ensures that you only get the best from your credit Card!

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Why should I choose an Urbane Card? Are there any specific benefits that I get?

The Kotak Urbane Credit Card gives you accelerated reward points and the freedom to redeem these points across any shopping that you do.

With Urbane the cardholders earn 3 reward points for every Rs. 100 spent .Cardholders can redeem their reward points online at www.kotakcards.com/rewardredemption for a host of benefits like Movie tickets, Air tickets, Air miles, Cash and more .

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Do I enjoy any interest free period on retail?

Yes, you enjoy an interest free period on retail transactions of up to 48 days.

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Do I enjoy any interest free period on cash?

The interest free period is limited only to the retail transactions & does not include cash transactions. The interest starts accruing from the date of cash withdrawal.

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