Kotak Mahindra Bank UPI RuPay Credit Card
Joining Fee
Renewal Fee
Best Suited For
Reward Type
|
Welcome Benefits
Movie & Dining
N/A
Rewards Rate
Earn 3 Reward Points Per Rs. 100 Spent
Reward Redemption
1000 Reward Points = Rs. 100
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5% Per Transaction + GST
Interest Rates
3.5% (Annual Rate – 42%)
Fuel Surcharge
N/A
Cash Advance Charges
N/A
- You can earn reward points on your UPI spends with this card.
- This is a virtual credit card.
- This is a lifetime free credit card.
- Earn 3 Reward Points per spend of Rs. 100 made with this card.
Pros
- You can earn reward points on your UPI spends with this card.
- Earn 3 Reward Points per spend of Rs. 100 made with this card.
Cons
- There are no welcome benefits associated with this card.
- Apart from reward points, there aren’t many benefits with this card.
Kotak Bank UPI RuPay Credit Card Features and Benefits
Here are the top features and benefits of this virtual RuPay credit card.
Life Time Free RuPay Credit Card
The Kotak Mahindra Bank UPI Rupay Credit Card is a lifetime-free credit card. There are no joining or renewal fees associated with this card.
Virtual RuPay Credit Card
This is a virtual credit card, so you can easily make payments without having to physically carry your credit card with you at all times.
Link to UPI
You can easily link this credit card to your choice of UPI application, like Google Pay, Paytm, PhonePe, etc and make payments.
Kotak Mahindra Bank UPI RuPay Credit Card Rewards
- Earn three Reward Points on every spend of Rs. 100.
- There is no capping on Reward Points earned.
- 1000 Reward Points (RPs) is equal to Rs. 100.
- A minimum of 1,000 Reward Points are required for redemption.
How to Access Your Virtual Kotak UPI RuPay Credit Card?
Here is how you can access your virtual Kotak UPI RuPay Credit Card-
- Simply log in to your Kotak Mahindra Bank App,
- Go to the “Credit Card” section,
- Go to the “Card Overview” to view your virtual credit card.
Eligibility Criteria for Kotak Bank UPI RuPay Credit Card
You would need to fulfil the following criteria to successfully apply for a Kotak Bank UPI RuPay Credit Card-
- Applicant must be a citizen of India,
- Applicant must be between the ages of 18 and 65,
- Applicant must be an existing Kotak Bank customer.
Kotak Bank UPI RuPay Credit Card Review
The Kotak Bank UPI RuPay Credit Card offers customers a reasonable reward rate of 3 reward points per 100 spent. With this credit card, you no longer have to worry about carrying your credit card with you, as this is a virtual credit card. In today’s time, we all are accustomed to making spends with our UPI application by simply scanning a QR code. In such a scenario, this credit card is highly beneficial as you would earn on every UPI transaction. This is also a lifetime free credit card, which makes it further more attractive.
What are your views on the Kotak Bank UPI RuPay Credit Card?
FAQs:
Can I add this card to my UPI application?
Can I link my Mastercard/Visa to my UPI app?
Are there any charges for linking my Kotak Bank UPI RuPay Credit Card to my UPI app?