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Kotak MahindraKotak UPI RuPay Credit CardRuPay

Kotak UPI RuPay Credit Card Credit Card

Kotak Mahindra Bank · Entry level

Reviewed by Chandan Kumar Dash

3 reward points per Rs 100 spent; UPI payments on credit card; virtual lifetime free card.

Saved only in this browser. Sale pages then show your own best card.

Joining fee

Free

Annual fee

Free

Waiver spend

–

Forex markup

3.5%

Fee waiver

No annual fee, so nothing to waive.

Work it out for this card

Offers on this card now

• Shopping
  Tata CLiQ

  12.5% instant discount on Tata CLiQ Fashion and Luxury

  Fashion: minimum ₹3,000, maximum discount ₹1,000, code TCFKOTAK. Luxury: minimum ₹7,500, maximum discount ₹2,500, code TCLKOTAK. Valid on select Kotak credit cards.

  Ends 30 NovBank's terms

See every bank on the card offers page. Checked 18 Oct from the bank's own pages; read the bank's terms before you pay.

How the app counts rewards

• 3 points per Rs 100 on utilities, up to Rs 35,000 spend a cycle
• 3 points per Rs 100, on UPI and card spends

No rewards on education, fuel, insurance, rent, wallet loads.

Points

Kotak Reward Points, worth about ₹0.07 each on the usual redemption. Expire after 2 years.

Work out what your points are worth

Who can apply

• Age 18+

Virtual card for existing Kotak credit card holders

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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