{
  "id": "urbane-gold-credit-card",
  "locale": "en",
  "name": "Kotak Urbane Gold Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹199 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "3 RP / ₹100 on Retail · 4 Free PVR Tickets or 10k Pts on ₹1L Spend · ₹15k Waiver",
  "bestFor": "Urban retail shopping, apparel purchases, 4 annual PVR tickets & easy fee waiver",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/urbane-gold-credit-card.html",
  "affiliateId": "kotak-league-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/urbane-gold-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Urbane Gold Credit Card schedule of charges",
    "Kotak Urbane Rewards Matrix — 3X retail reward points and annual milestone terms"
  ],
  "feeWaiver": "Waived on annual retail spends exceeding ₹15,000",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Retail Rewards",
      "value": "3 pts / ₹100 spent"
    },
    {
      "key": "Annual Milestone",
      "value": "4 Free PVR Tickets or 10k Pts"
    },
    {
      "key": "Milestone Target",
      "value": "₹1,00,000 / year"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹15,00,0 / year (Ultra-Low)"
    },
    {
      "key": "Annual Fee",
      "value": "₹199 + GST"
    },
    {
      "key": "Fuel Waiver",
      "value": "1% Surcharge Waiver"
    }
  ],
  "earnRates": [
    {
      "category": "All Domestic Retail Transactions",
      "rate": "3 pts / ₹100 spent",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 pts (₹750 value)"
    },
    {
      "category": "Annual Spend Milestone (₹1 Lakh)",
      "rate": "4 Free PVR Tickets / 10k Pts",
      "monthlyCap": "1 / year",
      "perLakhSpent": "4 PVR Tickets (₹1,600 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Retail Shopping",
      "multiplier": "3X",
      "rate": "3 pts / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "3 points per ₹100 spent."
    },
    {
      "channel": "Annual Milestone",
      "multiplier": "4 Tickets",
      "rate": "₹1,600 Value",
      "monthlyCap": "1 / year",
      "dailyCap": "—",
      "note": "4 free PVR tickets on ₹1L spend."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "PVR INOX Movie Tickets",
      "value": "4 Tickets / ₹1L Spend",
      "minPoints": "₹1L spend",
      "ceiling": "4 Tickets / year",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Kotak Rewards Vouchers & Merchandise",
      "value": "₹0.10–₹0.25 / Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹4,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹199 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹199 + GST (Waived at ₹15,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.50% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹20,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹2.5 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}