Credit Card Compare

Kotak UPI RuPay Credit Card

Data last updated 27 October 2026
45.00%
Purchase rate
₹0
Annual fee
51 days
Interest-free

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Application

CardIQ

50Fair

Fair

Overall score, out of 100 · How this works

  • Lifetime free64
  • Rewards36

Customer reviews

No reviews yet. Be the first to review the Kotak UPI RuPay Credit Card.

Pros & cons

What's good

  • No annual fee.
  • Up to 51 interest-free days on purchases, longer than most cards.
  • No fee to add an additional cardholder.

Worth noting

  • Lifetime free card. Joining fee: Nil. Annual fee: Nil. No waiver condition applicable. GST applicable on all fees and charges.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
RuPay
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Kotak Rewards

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
Not specified
Residency
India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
Undisclosed
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
No annual fee
Cash advance fee
—
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Up to 51 days on purchases
Minimum repayment
Minimum Amount Due is calculated as 1% of all purchase transactions & cash advances & 100% of EMI, Finance Charges, Fees/Charges & Tax as applicable, subject to a minimum of ₹100 else up to the TAD amount whichever is lower.

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
3 Reward Points per ₹100
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹0Tied for best (1st of 94 cards)
Interest-free days51 daysTied for best (1st of 79 cards)
Purchase rate45.00%Top 25% (22nd of 94 cards)
Rewards value₹4,050 a yearTop 25% (17th of 64 cards)
Overseas fee3.50%Better than most (34th of 94 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Credit card statistics for IndiaHow CardIQ scores cards
Issuer
Kotak Mahindra Bank