Card Details
UPI RuPay Credit Card
Card Issuer
Kotak Mahindra Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Earn Points
3 Rp/₹100
On eligible spends
3 Points
Per ₹100 on eligible online and e-commerce transactions
3 Points
Per ₹100 on eligible virtual international transactions
Benefits
Link card on UPI apps and pay via UPI using…
- Link the virtual RuPay card to UPI apps for merchant payments
- UPI-linked credit card payments enabled
- Earn 3 reward points per ₹100 on eligible spending
- Earn 3 reward points per ₹100 spent
Offers from Kotak Mahindra Bank
See allFirstcry: Get 5% upto ?500 Instant discount on Kotak Credit Cards
Shopping Deals · till 6 Nov 2026
Zepto: 10% instant discount up to ?125 on minimum transaction of ?999 using Kotak Credit Card.
Grocery & Essentials · till 9 Nov 2026
Reliance Digital: Up to ₹25000 instant discount with select Kotak Mahindra Bank Credit Cards and Credit Cards EMI transactions
Electronics Deals · till 11 Nov 2026
Tata CLiQ: Tata CLiQ Fashion & Luxury offer - 12.5% instant discount | Minimum transaction ₹3,000 | Maximum discount ₹1,000 on select Kotak Bank Credit Cards at Tata CLiQ Fashion & 12.5% instant discount | Minimum transaction ₹7,500 | Maximum discount ₹2,500 | Valid on select Kotak Bank Credit Cards at Tata CLiQ Luxury
Shopping Deals · till 30 Nov 2026
The Bombay Sweet Shop: Flat 30% off upto ₹15000 on any purchase on Kotak Solitaire Credit Card. Applicable on both online (www.bombaysweetshop.com, Swiggy, Zomato) and offline stores
Dining & Food Deals · till 30 Nov 2026
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 ROIThings to Keep in Mind
Rewards excluded on rent, fuel, railway, wallet loading, EMI, education, and balance transfer.
w.e.f. 01 June 2025, rewards not applicable on insurance, government, and online skill-based gaming spends.
w.e.f. 01 June 2025, utility spends beyond ₹35,000 in a statement cycle are not eligible for rewards.
Utility spends above ₹35,000 per statement cycle do not earn reward points from 1 June 2025.
