Double UpSM is an Urban Bank credit card offer. During the promo window printed on the card sheet, eligible spend in named categories earns double the usual rewards. Outside those categories, and after the window ends, the card earns the standard rate on the sheet.

The SM mark is the product name. It is not a second bank. The card is issued by Urban Bank onto the same app as your accounts when you already bank with us, or as a card-only file if the sheet allows it.

Who it is for

• You want an Urban Bank card with a time-boxed rewards boost, not a permanent teaser
• You can pass the credit check or deposit the sheet requires
• You will read which merchants and MCC codes count as “selected spend”
• You can freeze the card from the app or the desk if it is lost

Approval is not promised on this page. Under-18 rules and credit checks are decided on the file.

How Double Up works

The sheet lists:

• The start and end dates of the double-rewards window
• The categories (for example groceries or transit — only what the current sheet names)
• The cap, if extra rewards stop after a monthly or campaign maximum
• The standard earn rate after the window

A purchase posts to the category the network sends us. If a supermarket codes as general merchandise, it may not double. The monthly note shows the earn for that purchase. If you think a ticket was miscoded, send Talk to us with the date and last four. We can only adjust what the network file allows.

Interest, if you revolve a balance, is the rate on the card face and the sheet. Rewards do not change that rate.

What you see

• Card last four, freeze, and spend limit in the app
• The purchase amount and the rewards for that ticket
• A line when Double Up applied, and a line when it did not
• The APR or other rate that belongs on the card, matching the plastic

What this is not

This is not a ₹25,000 checking bonus. Checking and savings offers are separate pages. Do not treat Double Up as cash back on opening an account.

It is not a marketplace card from another issuer. Urban Bank issues Urban cards. It is also not a public internet-banking product. You apply at a branch or through the contact form. Apply at a branch or through the contact form — not through a public login on these pages.

How to start

Ask for Double UpSM Credit Card at a Mumbai branch or send Talk to us. Bring ID and the income or deposit papers the banker lists. Read the category list, the cap, and the rate before you sign. Credit cards explains how Urban cards sit next to your accounts after issue.

Talk to us