Kotak Urbane Gold Credit Card

Kotak Mahindra Bank · ₹199 a year

A low-fee entry card.

Base rate: 0.21% as Reward Point.

What the bank says

• 3 reward points per ₹100
• 4 PVR tickets or 10,000 points on ₹1 lakh of annual spend

Things that catch people out

• Points are worth ₹0.07 as cash and ₹0.10 on vouchers.
• The PVR ticket milestone is not in our figure.

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

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

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