Kotak Cashback+ Credit Card
Updated 3 Jul 2026Source-linked
The Kotak Cashback+ Credit Card is a entry credit card from Kotak Mahindra Bank, with a joining fee of ₹750 + GST.
It earns up to 5% on online food grocery entertainment spends in the form of cashback.
Kotak Cashback+ Credit Card
- Joining Fee₹750
- Annual Fee₹750
- Best Suited ForCashback
- Reward TypeCashback
Rewards Rate
- 5% on online food grocery entertainment
- 3% on fuel
- Base 0.50% on other spends
Welcome Benefits
- Not applicable
KotakplatinumentryRewards and Benefits
Rewards Rate
5% on online food grocery entertainment
3% on fuel
Base 0.50% on other spends.
Reward Redemption
Kotak Cashback: Redeem at ₹1 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹2,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- entry card issued by Kotak Mahindra Bank.
- Joining / annual fee of ₹750 + GST, waived on annual spends of ₹2,00,000.
- Available on the Visa network.
Pros & Cons
Pros
- Annual fee waivable on ₹2,00,000 spend.
- Accelerated earn worth ≈5.0% on online food grocery entertainment.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No complimentary airport lounge access.
Accelerated rewards
- 5% on online food grocery entertainment5% cashback on online food deliveries, groceries, movie tickets & OTT subscriptions.
- 3% on fuel3% cashback on all fuel spends (+ 1% fuel-surcharge waiver).
Capping rules
- Category cashback (5% / 3%) is subject to monthly caps
Exclusions
The following spend categories earn no rewards on this card:
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.
Sources
- : www.kotak.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.