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Kotak Mahindra Bank

Kotak UPI RuPay Credit Card

A zero-fee, virtual-only RuPay card open exclusively to existing Kotak credit-card holders — earns Reward Points at a confirmed ₹0.10 each, the second of three Kotak cards to independently state this exact lower rate.

Joining fee
₹0
Annual fee
₹0
Status
Open
Verified
30 August 2026
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Kotak UPI RuPay Credit Card

Fees

Joining fee
₹0
Annual fee
₹0
Forex markup
3.5%

Rewards

reward points

  • upi, everything-else: 0.3%General spend, in integer multiples of ₹100

Minimum redemption is 1,000 Reward Points (product page) or 2,000 points via the cashback portal specifically, per the MITC.

Important Exclusions

  • rent, fuel, education, insurance: Also excludes wallet loading, EMI transactions, balance transfers, government spends, online skill-based gaming, and utility spend beyond ₹35,000 per statement cycle — all effective 1 June 2025.

Eligibility

Minimum age
18 years

Why this card may suit you

  • It costs nothing to hold — no joining or annual fee.
  • Good fit if you want a card without an ongoing cost to justify.

Source & Verification

Verified from official issuer sources. Last verified 30 August 2026

View issuer page ↗

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