Kotak UPI RuPay Credit Card

Kotak Mahindra Bank · Lifetime free

A free RuPay card for earning a little on UPI.

Base rate: 0.3% as Reward Point.

What the bank says

• Lifetime free
• 3 reward points per ₹100, on UPI and card payments
• 1,000 points = ₹100

Things that catch people out

• Points on utilities stop after ₹35,000 of bills a month.

Joining fee: ₹0. Foreign currency markup: not published.

Read from Kotak Mahindra Bank’s own page on 2026-09-16.

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