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KOTAK
Five per cent on online food, grocery and OTT, three on fuel anywhere.
One-time
Waived on ₹2,00,000/yr
Uncapped rewards
Score 700+
Applying takes you to KOTAK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
7 reward rates with their caps, taken from KOTAK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromFood delivery
No published ceiling on this tier
Entertainment
No published ceiling on this tier
Groceries
No published ceiling on this tier
Fuel
No published ceiling on this tier
Bills
No published ceiling on this tier
Online shopping
No published ceiling on this tier
Rent payments All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Food delivery — 5% cashback on online grocery (Blinkit, with no stated cap.
Biggest limitation
The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
5%
uncappedFood delivery
5% cashback on online grocery (Blinkit
5%
uncappedEntertainment
5% cashback on online entertainment (Netflix
5%
uncappedGroceries
No 5% cashback on offline grocery/food/entertainment purchases
3%
uncappedFuel
3% cashback on all fuel spends at any petrol pump across India
0.5%
uncappedBills
0.5% cashback on eligible UPI transactions on RuPay variant
0.5%
uncappedOnline shopping
0.5% on all other eligible online retail spends
0.5%
uncappedEverything else
0.5% cashback on all other eligible offline retail spends
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹750 | — |
| Annual / renewal fee | ₹750 | Rs. 750 + GST annual fee from year 2, waived on annual spends of Rs. 2,00,000 or more. A limited-time nil joining fee offer may apply. |
| Add-on card | Nil. Up to 3 add-on cards free of charge, for family members aged 18 and above. | — |
| Cash withdrawal | 3%, min ₹300 | 3% of the amount withdrawn, subject to a minimum of Rs. 300. |
| Late payment | Not published by Kotak Mahindra Bank in the summary for this card. Check the card's schedule of charges. | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹250
of one-time welcome value, on top of what you earn
Every year after
₹2,00,000 a year
is what it takes to keep the ₹750 fee off — about ₹16,667 a month
Not offered on this card.
1% waiver. 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹4,000 at all petrol pumps across India; annual fuel surcharge waiver capped at ₹3,500 per anniversary year. Additionally, 3% cashback on all fuel spends (subject to monthly 750 RP cap shared with other accelerated categories)
0.5% on UPI spends. The RuPay variant can be linked to a UPI app and earns 0.5% cashback on eligible UPI credit card transactions.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹250
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
1
spend threshold you can reach again each year
BOGO (Buy One Get One) movie ticket at PVR INOX — up to ₹250 discount once per month (limited-time offer; verify current availability at kotak.bank.in)
Spend ₹2,00,000 a year — about ₹16,667 a month
Annual fee waiver on ₹2,00,000 spend in card anniversary year (Spend ₹2,00,000 or more in eligible transactions in the preceding card anniversary year to get the ₹750 annual renewal fee completely waived)
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
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KOTAKKotak Air+ Credit Card₹3,540
KOTAKKotak Air Credit Card₹1,179
KOTAKKotak Urbane Gold Credit Card₹235
KOTAKKotak White Credit Card₹3,540
KOTAKKotak White Reserve Credit Card₹14,750Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Kotak Bank Cashback Plus Credit Card · this card | ₹750 | 5% food delivery | No |
| Kotak Air+ Credit Card | ₹3,540 | Up to 5 miles per ₹100 | Included |
| Kotak Air Credit Card | ₹1,179 | Up to 3% rewards | Included |
| Kotak Urbane Gold Credit Card | ₹235 | Up to 0.3% rewards | No |
| Kotak White Credit Card | ₹3,540 | Up to 8 reward points per ₹150 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹750 plus GST, waived on ₹2,00,000 of annual spend.
The strongest published rate is 5% on food delivery, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. The RuPay variant can be linked to a UPI app and earns 0.5% cashback on eligible UPI credit card transactions.
Rent payments Wallet loads EMI transactions Government payments Cash advances and ATM withdrawals No rewards on rent payments, wallet loads, emi transactions, government payments, cash advances and atm withdrawals. No cashback on: Rent payments, Utility bill payments, Insurance premium payments, Education fees, Government transactions, Wallet loading/prepaid card loads, EMI transactions (both bank and merchant), Online gaming spends, B2B transactions, Cash advances, Balance transfers, Card fees and charges, Fuel surcharge component
KOTAK publishes about ₹15,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.
Credited as cashback to the card account
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Entry-level cashback credit card from Kotak Mahindra Bank. Earn 5% cashback on online grocery, food delivery and online entertainment; 3% on fuel; unlimited 0.5% on all other eligible spends. Accelerated cashback capped at 750 reward points per billing cycle. Annual fee ₹750 waived on ₹2L spend. Available in Visa and RuPay variants.
The combined accelerated cashback on 5% categories (grocery, food, entertainment) and 3% category (fuel) is capped at 750 reward points per billing cycle. After hitting 750 RP, you earn 0% cashback on accelerated categories for the rest of the month. The cap is exhausted at ₹15,000 spend on 5% categories alone. Unlimited 0.5% base cashback has no cap.
5% cashback on: Swiggy (food delivery), Zomato (food delivery), Blinkit (grocery), BigBasket (grocery), Zepto (grocery), Swiggy Instamart (grocery), Netflix (OTT), Amazon Prime Video (OTT), Disney+ Hotstar (OTT), online movie ticket purchases. These must be online transactions to qualify for 5% rate.
Cashback is earned as reward points (1 RP = ₹1) and credited to your Kotak Rewards account. Redeem via Kotak Rewards platform (rewards.kotak.com) or Kotak Mobile Banking app as cashback against statement outstanding. Minimum redemption: 400 reward points (₹400). Points expire 1 year from accrual date. Redemption in multiples of ₹400.
Yes — 3% cashback on all fuel spends at any petrol pump in India (HPCL, BPCL, IOCL, Reliance, Shell etc.). Additionally, 1% fuel surcharge waiver on transactions ₹500–₹4,000 (annual cap ₹3,500/year). Both benefits subject to 750 RP/month combined cap on accelerated categories.
Joining fee: NIL (limited-time offer; standard ₹750+GST). Annual renewal fee from Year 2: ₹750 + GST. Annual fee completely waived on spending ₹2,00,000 or more in the preceding card anniversary year (~₹17,000/month). Verify current joining fee status at kotak.bank.in.
No. The Kotak Cashback Plus Credit Card does not provide airport lounge access. For lounge access, consider Kotak League Platinum, Kotak 811 Dream Different, or other premium Kotak Bank cards. Compare options on CredSpy.
Yes. The RuPay variant of Kotak Cashback Plus earns 0.5% cashback on eligible UPI on Credit Card transactions — both accelerated and non-accelerated categories. This makes it useful for everyday UPI payments via PhonePe, Google Pay or Paytm using credit card as payment source.
Kotak Cashback+: ₹750 fee, 5% on select grocery/food/OTT, 3% on fuel, 0.5% others, 750 RP/month cap, RuPay UPI cashback. SBI Cashback: ₹999 fee, 5% on all online spends (wider), 1% offline, ₹5,000/month cap (much higher), no fuel cashback, no UPI cashback. Choose Kotak for fuel cashback + RuPay UPI needs. Choose SBI Cashback for higher spend ceiling and broader online coverage. Compare on CredSpy.
No cashback on: rent payments, utility bills, insurance premiums, education fees, government transactions, wallet loading, EMI transactions (bank and merchant), online gaming, B2B transactions, cash advances, balance transfers, card fees and charges. Fuel surcharge component also excluded from cashback calculation.
CredSpy Pro Tip
Key Limitation to Know
CredSpy Verdict — 3.4/5
Read this first
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Kotak Bank Cashback Plus Credit Card — 5% on food delivery. ₹750 a year.