Kotak Cashback+ Prime Credit Card
The Kotak Cashback+ Prime 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.
- Joining Fee₹750
- Annual Fee₹750
- Best Suited ForCashback
- Reward TypeCashback
- 5% on online food grocery entertainment (cap 750 cashback inr / statement)
- 5% on auto dealer (cap 750 cashback inr / statement)
- 3% on fuel (cap 750 cashback inr / statement)
- Base 0.50% on other spends
- Not applicable
KotakplatinumentryRewards and Benefits
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Online shopping₹750/mo
You spend ₹15,000 · earns 5.0% = ₹750 uncapped
- Capped at ₹750/mo
- Groceries₹40/mo
You spend ₹8,000 · earns 5.0% = ₹400 uncapped → cap ₹750 clamps it, ₹400 lost to the cap · ₹40 earned at base beyond it
- Cap ₹750/mo reached — extra spend earns base
- Dining & food delivery₹40/mo
You spend ₹8,000 · earns 5.0% = ₹400 uncapped → cap ₹750 clamps it, ₹400 lost to the cap · ₹40 earned at base beyond it
- Cap ₹750/mo reached — extra spend earns base
- Fuel₹120/mo
You spend ₹4,000 · earns 3.0% = ₹120 uncapped
- Capped at ₹750/mo
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Travel & hotels₹10,000 · 0.5% = ₹50/mo
- Utilities & bills₹5,000 · 0.5% = ₹25/mo
₹12,300 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
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
- Annual fee waivable on ₹2,00,000 spend.
- Accelerated earn worth ≈5.0% on online food grocery entertainment.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No complimentary airport lounge access.
Accelerated rewards
- 5% on online food grocery entertainment (cap 750 cashback inr / statement)5% cashback on online food deliveries, groceries, movie tickets & OTT subscriptions.
- 5% on auto dealer (cap 750 cashback inr / statement)5% cashback on auto-dealer merchant spends.
- 3% on fuel (cap 750 cashback inr / statement)3% cashback on all fuel spends (+ 1% fuel-surcharge waiver).
- 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 5 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.