Features

Credit meets Convenience with Kotak UPI RuPay Credit Card. Link your card on UPI Apps & make payments instantly

Reward Benefit

Earn 3 Reward Points* per ₹100 spent

Credit Card on UPI

Enjoy facility of making UPI Payment with your credit card

Virtual Credit Card

Go-wallet free by making instant payments with your credit card

Lifetime Free Card

No Joining & Annual Fees for lifetime

UPI payment on Credit Card

Enjoy a seamless experience of making UPI Transactions with your Kotak UPI RuPay Virtual Credit Card on your preferred UPI Apps
For more information regarding how to make UPI Payments with your RuPay Credit Card, Click Here

Earn Reward Points

Earn 3 Reward Points* against every ₹100 spent.
Reward Points will be accrued for both UPI as well as Regular^# Credit Card Transactions
Every 1,000 Reward Points will be equivalent to ₹100
Minimum 1000 Reward Points will be required for redemption
Please note, w.e.f. 01^st June 2025, the following changes will be applicable:

Categories	Revision on Reward Points
Categories	Utility Spends	Reward points can be only earned on utility spends up to ₹35,000 per statement cycle
Wallet Load, Online skill-based gaming, Insurance, Government, Rent, Education Spends, and Fuel	Reward point earnings against these spend categories will be discontinued

Kindly note:

a. Spends on above categories will not be considered when calculating milestone benefits

b. The aforementioned revisions will be based on the Merchant Category Codes (MCCs), which are 4-digit numbers assigned to merchants or businesses by card networks such as VISA, MasterCard, and RuPay. Click here for the list of applicable MCCs.

Lifetime Free Card

Lifetime Free Card with Zero Joining & Annual Fees

*Reward Points will not be accrued for transaction categories such as Rent, Fuel, Railway, Wallet Loading, EMI, Education and Balance Transfer. Additionally, w.e.f. 01^st June 2025, Insurance, Government, Online Skill based gaming transaction categories as well as Utility spends beyond 35,000 in a statement cycle will also not earn reward points.

#Regular Credit Card Transactions include Online/E-Commerce and International Transactions made virtually

Kotak UPI RuPay Credit Card will be issued as virtual only card and no physical card will be issued. For your convenience, the card details will be auto-registered in Kotak Mobile Banking App under Credit Card Section. To view card details, follow the below steps:
- Login into Kotak Mobile Banking App
- Go to “Credit Card” Section
- Go to “Card Overview” Section
To enable E-Com/Online & International Transactions & manage card usage settings, please click on “Card Control” Tab under “Card Overview” Section in Kotak Mobile Banking App.

Unfold UPI Magic with Kotak UPI RuPay Virtual Credit Card. Link your card on UPI Apps & set UPI Pin for making UPI Transactions
For more information on how to link your RuPay Credit Card on UPI Apps, Click Here

Kotak Rewards

Introducing Kotak Rewards - your new point redemption currency that simplifies managing rewards points on your Kotak credit cards. Redeem your points across a variety of categories like Mobile Recharge, Shopping across 10,000 products, E-vouchers across various brands, Movies, Travel and many more! T&C Apply.

Please note, w.e.f. 01st June 2025, Cash Value for redemption will be revised from ₹0.10 to ₹0.07 per Reward Point; a minimum of 2,000 Reward Points will be required for cash value redemption. For redemption against other categories like Mobile Recharge, Shopping, etc., 1 Reward Point = ₹0.10

Redeem Now

Minimum age of customer should be at least 18 Years
Customer should be an existing Kotak Credit Card holder

Fees & Charges

Fee & Charges	Kotak UPI RuPay Credit Card
Joining fee	Nil
Annual fees	Nil
Condition for waiver of Joining Fees	NA
Condition for waiver of Annual Fees	NA
Condition for waiver of Annual Fees	NA

Please refer MITC to view details of Kotak UPI RuPay Credit Card fees and charges