Kotak Urbane Gold (discontinued)
EntryKotak Mahindra Bank
Where it ranks · across all 71 cards
#66 Online shopping0.3%direct#64 Groceries0.3%direct#65 Dining out0.3%direct
Devaluation history
- 2025-06-01 - Cash redemption cut to ₹0.07/pt; utility points capped; fuel/wallet/gaming/insurance/govt/rent/education earn zero and are excluded from the ₹1L milestone. Card discontinued for new applications.
Reward rules
Points valued at ₹0.1/pt - conservative, what rankings use
Base rate - everything not covered below
3 pts / ₹100= 3 pts per ₹100
0.30%
conservative value
Milestones
₹1,00,000 / year
10,000 RP or 4 PVR tickets
worth ≈ ₹1,000
Earns nothing on
- ⊘ Utility MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.4900481448994812bank MCC list→ use Airtel Axis Bank here (10.0%)
- ⊘ Insurance MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.5960630063816399bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Wallet loads excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.6540bank MCC list→ use SC Ultimate here (3.3%)
- ⊘ Rent excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.6513bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Government MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.922292239311939994029405bank MCC list→ use PVR INOX Kotak here (3.0%)
- ⊘ Fuel MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.5172554155425983bank MCC list→ use MakeMyTrip ICICI here (1.0%)
- ⊘ Education MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.821182208241824482498299bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ Online skill-based gaming excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.5816bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ EMI transactions excluded from rewards and milestone spends (MITC).