The Kotak Urbane Credit Card from Kotak Mahindra Bank is designed for Urban professionals wanting flat rewards at zero fee.
⏱ 1 min read📅 29 Sep 2026✍️ Raj Thakur
✅ Verified September 2026 · 🔍 Reviewed by editorial team · 📊 Official bank data
Key Features
Annual Fee: Free
Reward Rate: 2 Reward Points per ₹100 on all spends; no restrictions
Lounge Access: None
Forex Markup: 3.5%
Always verify on the official bank website before applying.
RT
Raj Thakur
Credit Card Analyst · 10BestCreditCards.com
Raj has reviewed 150+ credit cards across all major Indian banks. He specialises in cashback optimisation, travel rewards and forex savings. All data is sourced directly from official bank websites.
⚠️ Affiliate disclosure: Some links on this page are affiliate links. We may earn a commission if you apply through our links at no extra cost to you. This does not influence our rankings.
Frequently Asked Questions
The annual fee is Free. This card has no annual fee ever — it is lifetime free.
Urban professionals wanting flat rewards at zero fee
2 Reward Points per ₹100 on all spends; no restrictions
Click the "Apply Now" button on this page. It takes you directly to the official Kotak Mahindra Bank application page. You will need your PAN card, Aadhaar and income proof.
FREE
