{"id":83839,"date":"2025-12-29T20:24:39","date_gmt":"2025-12-29T14:54:39","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=83839"},"modified":"2025-12-29T20:24:43","modified_gmt":"2025-12-29T14:54:43","slug":"kotak-upi-rupay-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/kotak-upi-rupay-credit-card\/","title":{"rendered":"Kotak UPI RuPay Credit Card: Benefits, Fees &amp; Charges"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaways:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Kotak UPI RuPay Card is lifetime free with zero joining and annual charges.<\/li>\n\n\n\n<li>You earn 3 reward points for every \u20b9100 spent.<\/li>\n\n\n\n<li>Every 1,000 reward points equals \u20b9100, with redemption starting from 1,000 points.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>UPI payments on credit cards now follow clear daily caps that balance speed and safety. With the <strong>Kotak UPI RuPay Credit Card limit<\/strong>, peer-to-peer transfers usually allow \u20b91,00,000 to \u20b92,00,000 per day, while merchant payments range from \u20b95,000 to \u20b91,00,000.<\/p>\n\n\n\n<p>These limits vary by card type and issuer policy. Knowing these thresholds helps you plan spending better and avoid declines. With this clarity, let us now explore the other details of the <strong>Kotak UPI RuPay Credit Card<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#kotak-upi-ru-pay-credit-card-benefits\">Kotak UPI RuPay Credit Card Benefits<\/a><\/li><li><a href=\"#make-upi-payments-with-your-kotak-upi-rupay-credit-card\">Make UPI Payments with your Kotak UPI Rupay Credit Card<\/a><\/li><li><a href=\"#kotak-upi-ru-pay-credit-card-charges\">Kotak UPI RuPay Credit Card Charges<\/a><ul><li><a href=\"#footnote\">Footnote:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kotak-upi-ru-pay-credit-card-benefits\"><strong>Kotak UPI RuPay Credit Card Benefits<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"420\" height=\"282\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Kotak-UPI-RuPay-Credit-Card.webp\" alt=\"Kotak UPI RuPay Credit Card\" class=\"wp-image-83893 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Kotak-UPI-RuPay-Credit-Card.webp 420w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Kotak-UPI-RuPay-Credit-Card-300x201.webp 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Kotak-UPI-RuPay-Credit-Card-150x101.webp 150w\" sizes=\"auto, (max-width: 420px) 100vw, 420px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>The <strong>Kotak UPI RuPay Credit Card<\/strong> is a lifetime free credit card with zero joining and annual fees. <\/p>\n\n\n\n<p>It lets you make UPI and virtual credit card transactions with ease and flexibility.<\/p>\n<\/div><\/div>\n\n\n\n<p>The other benefits are:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Earn Reward Points<\/strong><\/li>\n<\/ol>\n\n\n\n<p>You earn 3 reward points for every \u20b9100 spent. Points apply to both UPI and regular credit card spends. Every 1,000 points equals \u20b9100. Redemption starts from 1,000 points.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>UPI Payments on Credit Card<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The card allows smooth UPI payments through popular UPI apps. You can scan QR codes or pay online while the transaction routes through your RuPay credit card securely.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"make-upi-payments-with-your-kotak-upi-rupay-credit-card\"><strong>Make UPI Payments with your Kotak UPI Rupay Credit Card<\/strong><\/h2>\n\n\n\n<p>Pay directly from your credit limit through UPI with the <strong>Kotak UPI RuPay Credit Card<\/strong>. You can use popular UPI apps for quick, secure and widely accepted payments.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 1: Link Your RuPay Credit Card<\/strong><\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Open your preferred UPI app, such as PhonePe, GooglePay, Paytm or BHIM.<\/li>\n\n\n\n<li>Go to the <a href=\"https:\/\/www.kotak.bank.in\/en\/personal-banking\/cards\/credit-cards\/rupay-credit-cards.html\" target=\"_blank\" rel=\"noopener\">Link RuPay Credit Card<\/a> option.<\/li>\n\n\n\n<li>Select Kotak Mahindra Bank Credit Card.<\/li>\n\n\n\n<li>Choose your Kotak RuPay Credit Card from the eligible list.<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 2: Set Your UPI PIN<\/strong><\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Enter the last 6 digits of your card and its expiry date.<\/li>\n\n\n\n<li>Verify the OTP sent to your registered mobile number.<\/li>\n\n\n\n<li>Create a UPI PIN of your choice.<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 3: Make a Payment<\/strong><\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Scan a merchant QR or enter a UPI ID during checkout.<\/li>\n\n\n\n<li>Select Kotak RuPay Credit Card as the payment source.<\/li>\n\n\n\n<li>Enter your UPI PIN and confirm the transaction.<\/li>\n<\/ol>\n\n\n\n<p><em>Paying your credit card bills is also equally easy. How? Simply download the Pice App and link all your credit cards to seamlessly <\/em><a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\"><em>pay your card bills<\/em><\/a><em> through the app and also track their real-time status.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kotak-upi-ru-pay-credit-card-charges\"><strong>Kotak UPI RuPay Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>This is a lifetime free credit card with zero joining and annual charges. Since it works as a virtual card, reissue or replacement fees also do not apply.<\/p>\n\n\n\n<p>However, a few important charges related to the card are as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Interest Charges<\/td><td>3.75% (monthly); 45% (annually)<\/td><\/tr><tr><td>Over Limit Charges<\/td><td>\u20b9500<\/td><\/tr><tr><td>Cheque Bounce Charges<\/td><td>2% or \u20b9500, whichever is higher<\/td><\/tr><tr><td>Foreign Currency Markup<\/td><td>3.5% + GST<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>\u20b9100 &#8211; \u20b91200, depending on the amount<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Late payment charges can jeopardise your monthly budget. Just one app can fix this.&nbsp;<\/em><em>Download the <\/em><a href=\"https:\/\/piceapp.com\/\"><em>Pice App<\/em><\/a><em> and link all your credit cards. You can not only set reminders but also pay through the app. It is practical and easy!<\/em><\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnote\"><strong>Footnote:<\/strong><\/h3>\n\n\n\n<p>From 1 June 2025, no reward points apply on insurance, government or online skill-based gaming spends. The utility spends above \u20b935,000 per statement cycle does not earn points.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1767016426853\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is Kotak Rewards and how can I use it?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Kotak Rewards is a unified redemption system for Kotak credit cards. You can redeem points for mobile recharges, shopping, e-vouchers, movies and travel across multiple categories.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767016439383\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the reward point value and redemption rule?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>From 1 June 2025, cash redemption values drop to \u20b90.07 per point with a 2,000-point minimum. For shopping, recharge and vouchers, 1 point still equals \u20b90.10.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767016448247\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Who is eligible to apply for the Kotak UPI RuPay Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Applicants must be at least 18 years old. The card is available only to existing Kotak credit card holders who meet the bank\u2019s internal eligibility criteria.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways:&nbsp; UPI payments on credit cards now follow clear daily caps that balance speed and safety. With the Kotak UPI RuPay Credit Card limit, peer-to-peer transfers usually allow \u20b91,00,000 to \u20b92,00,000 per day, while merchant payments range from \u20b95,000 to \u20b91,00,000. These limits vary by card type and issuer policy. Knowing these thresholds helps [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":83901,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-83839","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83839","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=83839"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83839\/revisions"}],"predecessor-version":[{"id":83894,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83839\/revisions\/83894"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/83901"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=83839"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=83839"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=83839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}