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Kotak UPI RuPay Credit Card

This UPI-enabled RuPay credit card offers a simple way to earn rewards on everyday spending. Cardholders can enjoy reward points on shopping transactions, benefit from uncapped earnings on eligible spends, and use the card without worrying about joining or annual fees, making it suitable for regular domestic usage.

Kotak UPI RuPay Credit Card

About Kotak UPI RuPay Credit Card

The Kotak UPI RuPay Credit Card is a no-cost credit card designed for users who prefer making payments through UPI while still enjoying the benefits of a credit card. Being lifetime free, it does not involve any joining or annual charges, making it a convenient option for regular, everyday spending. The card allows users to complete UPI and virtual transactions seamlessly, offering flexibility and ease for quick payments across multiple merchants.

In addition to convenience, the card provides attractive rewards on eligible spends, including both domestic and international transactions. Cardholders can accumulate reward points on their purchases and later redeem them for a variety of products and services available through the issuer’s rewards program. This card is especially useful for individuals who frequently use UPI for small and routine payments and want to maximise value from their daily expenses without taking on extra fees or complex conditions.

Rewards Program

Earning Rewards

  • Earn unlimited 3 points for every Rs. 100 spent, applicable on UPI payments, online purchases, and international transactions made through the virtual card.

Redemption Value

  • Each reward point is valued at Rs. 0.07.

Redemption Options

  • Collected points can be redeemed across a wide range of options, including travel bookings, shopping, digital vouchers, mobile recharges, entertainment, and more.

Exclusions

  • Reward points are not earned on transactions such as fuel, rent, wallet top-ups, education fees, government payments, insurance, online gaming, railway bookings, EMIs, and balance transfers.

Kotak UPI RuPay Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

Kotak UPI RuPay Credit Card: Fees & Charges

Particulars Amount
Joining/Annual Fee Nil
Finance Charges 3.75% p.m. (45.00% p.a.)
Late Payment Charges
On outstanding balance of –
Less than Rs. 100 Nil
Rs. 100 to Rs. 500 Rs. 100
Rs. 501 to Rs. 5,000 Rs. 500
Rs. 5,001 to Rs. 10,000 Rs. 600
Rs. 10,001 to Rs. 25,000 Rs. 800
Rs. 25,001 to Rs. 50,000 Rs. 1,000
More than Rs. 50,000 Rs. 1,200

Things to Consider Before Applying

This card is suitable for you if:

  • You frequently use UPI for everyday payments.

  • You want a rewards-enabled credit card on the RuPay network specifically for UPI transactions.

  • You prefer a card with no annual fees and want it to remain free for life.

Steps to Close Kotak UPI RuPay Credit Card

Closing a credit card properly ensures that your account is settled and reflected correctly on your credit report.

  1. Clear All Outstanding Balance

    Before you ask for closure, make sure your credit card account has zero dues:

    • Pay all pending amounts including purchases, fees, interest, and EMIs (if any).

    • You can transfer balances to another active card with lower interest before closing to avoid charges.

    The bank will only process closure after confirming your account balance is fully paid.

  2. Redeem Reward Points

    • Use any remaining reward points, cashback, or benefits on your Duo card before initiating closure.

    • Unused rewards are usually forfeited once the card is closed.

  3. Update Linked Payments

    • Check if you have subscriptions or auto‑payments tied to your Kotak UPI RuPay Credit Card.

    • Change the payment method to another active card so that you don’t miss future payments.

  4. Contact Customer Support

    Get in touch with the bank and request closure of your card:

    • Call Kotak Mahindra Bank’s credit card helpline.

    • Tell the representative that you want to close your UPI RuPay Credit Card.

    • You may be asked to confirm personal and account details for verification.

    Representatives might offer savings or changes to keep your card active. Confirm your decision clearly if you still want closure.

  5. Get Written Confirmation

    • Ask the bank to provide written confirmation once your closure request is processed.

    • Save this message (SMS or email) as proof that your account has been closed with no pending dues.

  6. Monitor Your Credit Report

    • After a few weeks, check your credit report to ensure the Duo card reflects the status “closed”.

    • If it still appears active, you may need to raise a dispute with the credit bureau to correct the record.

  7. Destroy Your Card

    • Cut the physical card across the chip and magnetic strip, or shred it.

    • This prevents any accidental or unauthorized use later.

Important Tips

  • Stop using the card immediately after initiating the closure request
  • Never share sensitive details like OTP, PIN, or CVV over email or phone
  • Save all communication and closure confirmation for future reference

Kotak UPI RuPay Credit Card Helpline Number

If you need help with your Kotak UPI RuPay Credit Card — whether it’s billing, payments, reporting issues, or general support — you can contact Kotak Mahindra Bank’s official customer care team.

Main Credit Card Support (India)

  • 📞 1860 266 2666 – Primary Kotak Mahindra Bank customer care and credit card support number (24×7, local call charges apply)

  • 📞 1800 209 0000 – Dedicated toll‑free line for reporting fraud or unauthorized transactions, including credit card issues (24×7)

  • 📞 1800 266 6666 – Toll‑free support line often available for privileged customers (24×7)

WhatsApp / Alternate Contact

  • 📞 022‑6600 6022 – WhatsApp‑enabled support and international helpline for credit card queries (local and international call rates apply)

International Support

Email Support

  • 📧 customerfirst@kotak.com – General customer support (including credit card matters)

  • For specific credit card closure, billing disputes, or service questions, you can also use the email support channel available through your Kotak online banking portal.

Services You Can Get Help With

You can reach customer care for:

  • Billing and statement enquiries

  • Payments and outstanding balance questions

  • Reporting lost, stolen, or compromised cards

  • Help with UPI or RuPay issues linked to your card

  • Credit card closure or service change requests

FAQs

Who can apply for this UPI RuPay virtual credit card?

The card is available only to existing credit card holders who are 18 years or older. New applicants without an active card from the same issuer cannot apply.

It is a lifetime-free virtual credit card that allows cardholders to make online payments, including UPI transactions, without any annual fees.

Eligible cardholders can apply by contacting their bank relationship manager, visiting a branch, or calling the bank’s customer support for guidance.

If your mobile number changes, you must update it with the bank. After updating, re-register the card on your UPI app to continue using it for payments.

There is no restriction on the number of transactions you can make using this card on UPI apps.

No, the card is restricted to merchant payments only (P2M). Peer-to-peer transactions or payments to other cards are not allowed.

Typically, the daily UPI spending limit is Rs. 1 lakh, with certain exceptions allowing up to Rs. 2 lakh per day.

No, there are no charges for linking the card or making transactions through UPI.

Yes, users earn 3 reward points for every Rs. 100 spent via UPI using this card.

No, this card does not support any add-on or supplementary cards.

Reward points are earned on every transaction of Rs. 100 or more made through this card.

No, this virtual credit card does not include complimentary airport lounge access.

Yes, the card can be used for virtual international transactions. You can enable this feature through the bank’s mobile app under the card control settings.