UPI RuPay Credit Card: Easy Payments, Charges & Rewards

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.
No capping limit per statement cycle on earning Reward Points
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

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 & Balance Transfer

^#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.

Redeem Now

Customer should be in the age bracket of 18 years to 65 years
Customer should be an existing Kotak Credit Card holder
Customer should be a Resident of India

Fees & Other Parameters	Kotak UPI RuPay Credit Card
Joining Fees	Nil
Annual Fees	Nil
Add on Card Benefit (Virtual Card)	Not Applicable
Interest Charges on outstanding Balances	3.5% (Annualized Rate - 42%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	MAD can be 5% or 10% of TAD as decided by the Bank
Late Payment Charges ("LPC")	Due as per last statement	LPC Charges
	<₹100	₹0.0
	₹100 – ₹500	₹100
	₹501 – ₹5,000	₹500
	₹5,001 – ₹10,000	₹600
	₹10,001 – ₹25,000	₹800
	₹25,001 – ₹50,000	₹1000
	>₹50,000	₹1200
Over Limit Charges	₹500
Cheque Bounce Charges	Higher of (2% of bounce amount or ₹500)
Auto Debit Return Charges	Higher of (2% of bounce amount or ₹450)
Foreign Currency Mark Up	3.5% per transaction + GST
Railway Booking Surcharge Waiver	Not Applicable
Fuel Surcharge Waiver	Not Applicable
Fee for Cash payment at Bank	₹100
Reissue/ Replacement Card (per Card)	Nil (As it is a virtual card)
Note: GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card.

Kotak UPI RuPay Credit Card

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

Reward Benefit

Credit Card on UPI

Virtual Credit Card

Lifetime Free Card

UPI payment on Credit Card

Earn Reward Points

Lifetime Free Card

Kotak Group Companies