ENTRY LEVEL CARD - LOW MINIMUM INCOME REQUIREMENTS || ANNUAL FEE WAIVER AT ₹15000 YEARLY CARD SPEND

Kotak Urbane Gold Credit Card

Kotak Urbane Gold Credit Card - Our Money Guide Our Rating 3.50
Top Reasons to Choose
✔︎
Low minimum income requirement of ₹3 lakhs per year
✔︎
Low annual fee of ₹199
✔︎
Low annual card spend target of ₹15000, to get annual fee waiver and make the card virtually free
Upto 1.9%
Benefit on all card spends, including milestone benefits achieved at ₹1 lakh yearly card spend
Annual Fee

₹199

  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹15000 or more in the previous year.
Minimum Income

₹3 lakhs per year

0.30% benefit on all card spends
– You earn 3 reward point worth ₹0.30 (30 paise), on every ₹100 you spend on all card purchases.
– 1 reward point = ₹0.10 or 10 paise.
– You can redeem your rewards points on Kotak Rewards (rewards redemption platform), for a variety of shopping e-vouchers, mobile recharges, travel, movies and more.

Milestone benefits upto 1.6% : When you spend ₹1 lakh or more in a year, you can get either-
– 4 free any day-any show PVR tickets worth upto ₹1600 (upto ₹400 each)
OR
– 10,000 reward points worth ₹1000

 

Benefits
– Entry level card from Kotak, with low minimum income requirements and low annual fee
– Low annual card spend target of ₹15,000, to get annual fee waiver and make the card virtually free

Drawbacks to consider
– Low rewards and benefits


To read the full review of the card, please click here
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