Kotak

Kotak Cashback+ Credit Card

Apply for Kotak Cashback Plus Credit Card and enjoy guaranteed cashback on shopping, dining, and utility payments. Get welcome benefits, milestone rewards, and annual fee waiver

FuelOnline Food OrderingGrocery Shopping

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Issued by

Kotak

Joining Fee₹750

Annual Fee₹750

Income₹25000

Credit Score720

Key Highlights

Online Food Ordering

Earn 5% Cashback on Swiggy, Zomato

and similar platforms Cashback capped at 750 points per billing cycle on accelerated categories

Grocery Shopping

Earn 5% Cashback on Blinkit, Zepto, BigBasket

and other online grocery platforms Combined cap of 750 points per billing cycle on accelerated categories

Earn 5% Cashback on Blinkit, Zepto, BigBasket

and other online grocery platforms Combined cap of 750 points per billing cycle on accelerated categories

Fuel

Earn 3% Cashback on fuel

spends across fuel stations

Earn 5% Cashback on Swiggy, Zomato

and similar platforms Cashback capped at 750 points per billing cycle on accelerated categories

Eligibility

Age Criteria21-60

Credit Score720

Salaried Income₹3 LPA

Self-employed Income₹3 LPA

Employment TypeSelf Employed, Salaried

New to CreditEligible

Fees & Waivers

Joining Fee₹750

Joining Fee OffsetNot Applicable

Annual Fee₹750

Annual Fee WaiverThe annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy.

Estimated Annual Saving₹10500

Rewards & Redemption

Reward ConversionN/A

Redemption Options

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement.

Earning ExclusionsRent, B2B transactions, Utilities, Insurance, Education, Government spends, Wallet, Online skill-based gaming, EMI

Spend ExclusionsRent, B2B transactions, Utilities, Insurance, Education, Government spends, Wallet, Online skill-based gaming, EMI

Benefits

All Benefits

Up to 5% cashback on online food delivery, online grocery and online entertainment
3% cashback on fuel spends across fuel stations
0.5% unlimited cashback on every other eligible spend
RuPay variant additionally earns 0.5% on UPI on CC spends

Movie Ticket Benefits

PVR INOX Buy 1 Get 1 offer: Get one free ticket on purchase of one on PVR Cinemas
INOX online platforms; maximum discount per card per month capped at ₹250
usable once per card per month
BookMyShow offer: 20% off up to ₹150 on minimum spends of ₹299 on BookMyShow

Dining Benefits

5% cashback applies on online food delivery Swiggy, Zomato, etc
Offline dining purchases earn the base 0.5% cashback only

Fuel Benefits

3% cashback on fuel spends across fuel stations

Fuel Surcharge Waiver Benefits

1% fuel surcharge waiver on transactions between ₹500 to ₹4,000; maximum waiver ₹3,500 per anniversary year

Documents

PAN Card

Aadhaar Card or valid address proof

Latest salary slips or income proof

Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application

A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards

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