Kotak Mahindra Bank · Visa · Standard

Kotak Urbane Gold Credit Card

1.5% cashback on all spends; lifetime free

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Top benefits

1.5% cashback on all spends
Flat 1.5% cashback on all eligible transactions — no category restrictions.
Lifetime free
No annual or joining fee for the lifetime of the card.
Fuel surcharge waiver
1% fuel surcharge waiver at all fuel stations.
Contactless payments
Tap & pay contactless transactions for quick checkout.

Common questions

Is the cashback direct to account?

Yes, cashback is credited directly to the card statement monthly.

Any restrictions on cashback eligibility?

Fuel, wallet loads, rent and government transactions are typically excluded.