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Federal BankWith the Kotak UPI RuPay Credit Card, you can easily make secure payments with your UPI application. Whether you are using Google Pay, PhonePe, BHIM, Slice, Paytm or any other app, you can securely make transactions through it by linking your Kotak UPI RuPay Credit Card with it. In recent times, RuPay Credit Cards have become popular in India with each and every passing day. This is due to the reason that you can link them to your UPI app and make payments on the go. You can only link your RuPay Cards to your app. This cannot be done for other network cards.
This is a lifetime free credit card, which further makes it more lucrative to opt for. By applying for this card, you won’t have to pay any joining or annual charges.
Make easy payments from your phone with the Kotak UPI RuPay Credit Card. Keep on reading to learn more about this virtual credit card by Kotak Bank.
Kotak Mahindra Bank UPI RuPay Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points |
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
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Zero Liability Protection
N/A
Spend Based Waiver
N/A
Rewards Redemption Fee
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
Add-on Card Fee
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?
1 Comment
I got this card 2 months ago, but have not been able to add it to my UPI account. Called and mailed Kotak customer service multiple times, even visited their branch 3-4 times and did everything they told me to do. But the problem is not resolved yet and I am still not able to add the card. Every time I try, I get the message – invalid card details. So I think their customer service is really poor. Thinking of cancelling the card and won’t recommend it to anyone.