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KOTAK
Five per cent on online food, grocery and OTT, three on fuel anywhere, one on everything else.
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
5 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
Shares the card's ₹750 a month ceiling
Groceries
Shares the card's ₹750 a month ceiling
Entertainment
Shares the card's ₹750 a month ceiling
Fuel
Shares the card's ₹750 a month ceiling
Everything else
Shares the card's ₹750 a month ceiling
These rates share one ceiling: ₹750 a month across the card, not per category.
Fuel transactions beyond the 3% tier All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Food delivery — 5% cashback on online food delivery — Swiggy, Zomato and similar., 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 food delivery — Swiggy, Zomato and similar.
5%
uncappedGroceries
5% cashback on online grocery — Blinkit, BigBasket, Zepto, Swiggy Instamart and similar.
5%
uncappedEntertainment
5% cashback on online entertainment — OTT subscriptions, video games and movies.
3%
uncappedFuel
3% cashback on fuel at any petrol pump, regardless of brand.
1%
uncappedEverything else
1% uncapped cashback on all other spends.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹750 | — |
| Annual / renewal fee | ₹750 | Annual fee of Rs. 750 + GST is waived on annual spends of Rs. 2,00,000 or more. A limited-time nil joining fee offer may apply to new applicants. |
| Add-on card | Nil. Up to 3 add-on cards free of charge, for family members aged 18 and above, sharing the primary credit limit. | — |
| 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. The slab table is in 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
₹750
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 transactions between Rs. 500 and Rs. 4,000 at all petrol pumps, capped at Rs. 3,500 a year.
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
₹750
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
1
spend threshold you can reach again each year
Limited-time nil joining fee offer for new applicants, subject to availability.
Spend ₹2,00,000 a year — about ₹16,667 a month
Annual fee of Rs. 750 waived on annual spends of Rs. 2,00,000 or more.
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.
No reviews yet
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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₹14,750
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Kotak Cashback+ 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.
Fuel transactions beyond the 3% tier Rent payments Wallet loads EMI transactions Government payments Cash advances and ATM withdrawals No rewards on fuel transactions beyond the 3% tier, rent payments, wallet loads, emi transactions, government payments, cash advances and atm withdrawals. Fuel, rent, wallet loads, cash-equivalent transactions and EMI conversions are generally excluded from milestone and welcome-benefit qualifying spends
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.
No. This card carries no complimentary airport lounge access.
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 Cashback+ Credit Card — 5% on food delivery. ₹750 a year.