Card Details
Kotak UPI RuPay Credit Card
Monzy Score
6/ 10
Decent for high fuel spenders.
Lifetime free, so no fee to earn back; thin rewards outside its core category; high 3.5% forex markup.
Card Issuer
Kotak Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Card Access
Standard
Offers from Kotak Bank
See allReliance Digital: Ganesh Chaturthi Offer | Up to ?6000 instant discount with select Kotak Mahindra Bank Credit Cards and Credit Cards EMI transactions
Electronics Deals · till 20 Sep 2026
Yatra: Instant discount up to ₹6,000 on Kotak Credit Card EMI. Book Now.
Travel Deals · till 30 Sep 2026
River Cash: Instant discount up to ₹10,000 on Kotak Credit Card EMI. Shop Now.
Exclusive Discounts · till 30 Sep 2026
Godrej: Instant discount up to ₹9,000 on Kotak Credit Card EMI. Shop Now.
Electronics Deals · till 30 Sep 2026
Hero Motorbikes: Instant discount up to ₹10,000 on Kotak Credit Card EMI. Shop now.
Electronics Deals · till 30 Sep 2026
Earn Points
3 RP/₹100
Reward Points on UPI, online & virtual spends
Benefits
3 RP/₹100 on UPI and virtual spends
- Rewards every ₹100 spent via UPI and online
- 3 RP/₹100 on UPI, online and virtual international spends
- No capping mentioned on reward earning
- No rewards on fuel, rent, wallet loading, education, government, insurance, online gaming, railway, EMI, balance transfer and certain utilities
Lifetime-free virtual RuPay card
- No joining or annual fees
- Joining fee waived
- Annual/renewal fee waived
- Available only to existing Kotak credit card customers
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet, education, government, insurance, railway, emi
Estimated Returns
All spends (UPI, online & international)
3RP/100 but 1RP=0.07 ~0.21%
₹63
Total Annual Return
₹756
0.21% Effective ROIWhat Users Are Saying
Community Feed
Jul 2024
“Just closed my Kotak League UPI Rupay card”
by r/CreditCardsIndia, Jul 2024
“UPI RuPay CC”
by r/CreditCardsIndia, Dec 2025
“My [CC Review / AMA] on Kotak 811 Dream Different”
by r/CreditCardsIndia, Nov 2025
“Kotak credit card Rupay version is not linking with any upi”
by r/CreditCardsIndia, Jul 2026
“Kotak League Credit Card – Visa or RuPay, what would”
by r/CreditCardsIndia, May 2026
Frequently Asked Questions
The Kotak UPI RuPay Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because Kotak Mahindra Bank prices some variants differently.
RECENT CHANGES
Terms were revised recently — verify current fee, reward and exclusion terms before you apply.
Things to Keep in Mind
Rewards are not earned on fuel, rent, wallet loading, education, government, insurance, online gaming, railway, EMI, balance transfer transactions and utility spends above ₹35,000 per cycle (from 1 Jun 2025).
Linked RuPay credit card can be used on UPI only for merchant (P2M) payments; P2P/P2PM transactions are not permitted.
