The Kotak Urbane Visa Gold has a ₹199 annual fee (waived on ₹15,000 annual spend), earns 3 Reward Points per ₹100 and charges a 3.5% forex markup.
| Annual fee | ₹199 |
|---|---|
| Joining fee | None |
| Annual fee waived | On ₹15,000 annual spend |
| Base rewards | 3 Reward Points per ₹100 |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
216 online offers across 163 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.3000 Discount · till 31 Oct
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
- EaseMyTrip: Get Rs.1000 off · till 31 Dec
- Paytm: Save 50% · till 30 Dec
These are Kotak Mahindra Bank's own offers and Visa network offers, so they apply to every Kotak Mahindra Bank Visa card, not just this one. All Kotak Mahindra Bank offers by category.
More about the Kotak Urbane Visa Gold Credit Card
Is the Kotak Urbane Visa Gold Credit Card worth it in 2026?
Yes, the Kotak Urbane Visa Gold Credit Card is worth it in 2026 for users who spend regularly. It offers 3 Reward Points per Rs.100 spent and has no joining fee. The annual fee of Rs.199 is waived in the first year if you spend Rs.15,000, making it cost-effective.
Who should get the Kotak Urbane Visa Gold Credit Card?
This card is ideal for individuals who want to earn rewards on everyday spending without paying a joining fee. It suits users who can spend at least Rs.15,000 annually to waive the first-year fee and want to earn 3 Reward Points per Rs.100 spent.
How to maximise rewards on the Kotak Urbane Visa Gold Credit Card?
To maximise rewards, spend regularly on this card to earn 3 Reward Points per Rs.100. Ensure you spend Rs.15,000 in the first year to waive the annual fee, increasing your net rewards. Use the card for all eligible purchases to accumulate points faster.
What purchases give the best value on the Kotak Urbane Visa Gold Credit Card?
All purchases earn 3 Reward Points per Rs.100, so the card offers consistent value across spending categories. Use it for daily expenses and bills to maximise point accumulation and get the best value from your spending.