Virtual RuPay Credit Card for Everyday UPI Micro-Payments
Kotak customers seeking an effortless digital card for QR code UPI shopping, groceries, and dining.
Free
One-time upfrontFree
Lifetime Free — no renewal fee3 Reward Points per Rs 100 on UPI merchant spends
On eligible spends3.50% + GST
Cross-currency spendsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Kotak Mahindra Bank UPI RuPay Credit Card is designed as a virtual companion card that integrates directly with India's Unified Payments Interface (UPI) infrastructure. Issued primarily as a Lifetime Free (LTF) virtual add-on for existing Kotak credit cardholders, it unlocks the ability to pay local tea stalls, supermarkets, restaurants, and pharmacy QR codes directly from an interest-free credit line rather than depleting savings bank accounts. Cardholders earn 3 Reward Points per ₹100 spent on UPI transactions across groceries, supermarkets, and dining, and 1 Reward Point per ₹100 on other eligible retail categories. Because the card is 100% digital, there is no physical plastic to carry or misplace; all card credentials and transactions are managed securely inside the Kotak Mobile Banking app and linked UPI apps like PhonePe, Google Pay, and Paytm. As a dedicated micro-transaction instrument, it does not offer airport lounge access, golf privileges, or concierge services. Furthermore, UPI peer-to-peer (P2P) transfers to friends and family do not earn points and are restricted under RBI guidelines. For anyone already banking with Kotak Mahindra Bank, adding this virtual RuPay card is an effortless win that turns daily minor QR code payments into valuable reward points.
Earn 3 Reward Points Per Rs. 100 Spent
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Merchant UPI QR Transactions | 3 Reward Points per Rs 100 on eligible merchant UPI payments (0.6% return) | No Cap | Standard terms apply |
| Other Spends | 1 Reward Point per Rs 100 on other eligible retail spends (0.2% return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Merchant UPI QR Transactions | ₹12,000 | 3 Reward Points per Rs 100 on eligible merchant UPI payments (0.6% return) | — | None | Calculating... | Under cap |
| Other Spends | ₹18,000 | 1 Reward Point per Rs 100 on other eligible retail spends (0.2% return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹0 (Lifetime Free for existing Kotak cardholders) / ₹250 standard. • Annual Renewal Fee: ₹0 (Lifetime Free) / ₹250 waived on ₹50,000 spend. • UPI Rewards: 3 Reward Points per ₹100 on UPI transactions for dining, supermarkets, and groceries. • General Retail: 1 Reward Point per ₹100 on other eligible retail spends. • Format: 100% virtual credit card accessible via Kotak Mobile Banking application. • Restrictions: P2P UPI transfers, wallet reloads, rent, and fuel are excluded from rewards.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Kotak Mahindra Bank UPI RuPay Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Kotak Mahindra Bank portal with paperless verification.
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