Kotak Mahindra Bank · Entry · lifetime free
Kotak UPI RuPay Credit Card
Where it ranks across all 187 cards
#87 Utility bills
0.3%
direct
#116 Jewellery & watches
0.3%
direct
#127 Mobile / broadband
0.3%
direct
#138 Train tickets
0.3%
direct
#145 Cabs & transit
0.3%
direct
#155 Flights
0.3%
direct
#155 Hotels
0.3%
direct
#155 Health & pharmacy
0.3%
direct
#156 Other
0.3%
direct
#158 Groceries
0.3%
direct
#158 Electronics
0.3%
direct
#160 Food delivery
0.3%
direct
#161 Dining out
0.3%
direct
#161 Movies & events
0.3%
direct
#161 Fashion
0.3%
direct
#163 Online shopping
0.3%
direct
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Points valued at ₹0.1/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
0.30%base rate
3 pts / ₹100
source
Source: Kotak UPI RuPay Credit Card page - kotak.bank.in - read 25 Sep 2026
Base rate, but capped1
3 pts/Rs100 on utility spends up to Rs35,000 per statement cycle, nil beyond
base rate
source
Source: Kotak UPI RuPay Credit Card page - kotak.bank.in - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on2 exclusions
Rent, Fuel, Wallet load, EMI, Education
earns nothing
Reward Points will not be accrued for transaction categories such as Rent, Fuel, Railway, Wallet Loading, EMI, Education and Balance Transfer.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent, Fuel, Wallet load, EMI, Education
Source: Kotak UPI RuPay Credit Card page - kotak.bank.in - read 25 Sep 2026
Insurance, Government / tax, Gaming
earns nothing
w.e.f. 1 June 2025: Insurance, Government and Online skill-based gaming transaction categories also discontinued from earning reward points.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance, Government / tax, Gaming
Source: Kotak UPI RuPay Credit Card page - kotak.bank.in - read 25 Sep 2026