Kotak Mahindra Bank · Entry
Kotak Urbane Gold (discontinued)
Where it ranks across all 187 cards
#115 Jewellery & watches
0.3%
direct
#126 Mobile / broadband
0.3%
direct
#137 Train tickets
0.3%
direct
#144 Cabs & transit
0.3%
direct
#154 Flights
0.3%
direct
#154 Hotels
0.3%
direct
#154 Health & pharmacy
0.3%
direct
#155 Other
0.3%
direct
#157 Groceries
0.3%
direct
#157 Electronics
0.3%
direct
#159 Food delivery
0.3%
direct
#160 Dining out
0.3%
direct
#160 Movies & events
0.3%
direct
#160 Fashion
0.3%
direct
#162 Online shopping
0.3%
direct
1 Jun 2025
Cash redemption cut to ₹0.07/pt; utility points capped; fuel/wallet/gaming/insurance/govt/rent/education earn zero and are excluded from the ₹1L milestone. Card discontinued for new applications.
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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 Urbane Gold (kotak.bank.in) - kotak.bank.in - read 21 Aug 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 on9 exclusions
Utility bills
earns nothing
Utility MCCs excluded from rewards/milestones.
→ use HSBC Live+ here (10.0%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Utility bills · MCCs: 4900, 4814, 4899, 4812
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Insurance
earns nothing
Insurance MCCs excluded from rewards/milestones.
→ use Axis Burgundy Private here (6.4%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Insurance · MCCs: 5960, 6300, 6381, 6399
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads excluded from rewards/milestones.
→ use SC Ultimate here (3.3%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Wallet load · MCCs: 6540
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Rent
earns nothing
Rent excluded from rewards/milestones.
→ use Axis Burgundy Private here (5.2%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Rent · MCCs: 6513
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government MCCs excluded from rewards/milestones.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Government / tax · MCCs: 9222, 9223, 9311, 9399, 9402, 9405
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Fuel
earns nothing
Fuel MCCs excluded from rewards/milestones.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Education
earns nothing
Education MCCs excluded from rewards/milestones.
→ use Axis Burgundy Private here (5.2%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Education · MCCs: 8211, 8220, 8241, 8244, 8249, 8299
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Gaming
earns nothing
Online skill-based gaming excluded from rewards/milestones.
→ use FIRST Private here (6.6%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Gaming · MCCs: 5816
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI transactions excluded from rewards and milestone spends (MITC).
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Kotak MITC (KOTMITC/07/2026 v2, 31 Jul 2026) - kotak.com - read 22 Aug 2026