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Credit Cards · India

Kotak Cashback+ Prime Credit Card

Updated 3 Jul 2026Source-linked

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.

Kotak Mahindra Bank logo
Kotak Cashback+ Prime Credit Card
Visa logo
  • Joining Fee₹750
  • Annual Fee₹750
  • Best Suited ForCashback
  • Reward TypeCashback
Rewards Rate
  • 5% on online food grocery entertainment
  • 5% on auto dealer
  • 3% on fuel
  • Base 0.50% on other spends
Welcome Benefits
  • Not applicable
Kotak Mahindra Bank logoKotakVisa logoplatinumentry
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Rewards and Benefits

Rewards Rate
5% on online food grocery entertainment
5% on auto dealer
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.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 5% on online food grocery entertainment
    5% cashback on online food deliveries, groceries, movie tickets & OTT subscriptions.
  • 5% on auto dealer
    5% cashback on auto-dealer merchant spends.
  • 3% on fuel
    3% 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

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.
Tagsentrycashbackonlinefuel