Rating
4.2
User Reviews15
CredSpy Verified
- ✓Verified reward rates
- ✓Direct-to-bank secure forms
- ✓Zero extra commissions
Approval Odds78% Match
High probability of instant approval if your CIBIL score is 750+.
Card at a glance
JoiningNot published
AnnualNot published
Interest3.5% per month (approx…
NetworkVISA / RuPay
IssuerKOTAK
Best used for
kotak mahindra bankkotak cashback pluscashback credit cardonline food delivery card
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KOTAKCashbackBest for Online Food, Grocery & Entertainment
Kotak Cashback+ Credit Card — Cashback on Food, Grocery, Entertainment & Fuel
Complete 2026 review: cashback rates, fees, eligibility and CredSpy verdict
#kotak mahindra bank#kotak cashback plus#cashback credit card#online food delivery card#upi cashback card#rupay credit card#entry level cashback card#swiggy zomato blinkit cashback card
Complimentary perksMembership perksSee benefits below
Credspy & Editor Scores
Rewards4.5/5
Lounge Access4/5
Welcome Benefits4.2/5
Lifestyle Benefits3.8/5
Value snapshot 74 people viewing today
Est. yearly value₹0at your current spends
Annual fee₹750Billed annually
Net gain / year−₹750value minus fee
Value vs feeFee-heavy
Rewards earnedCost of holding
CredSpy value score68/100
5% Cashback on Food, Grocery & Entertainment
Covers Swiggy, Zomato, Blinkit, BigBasket, Netflix, Prime Video and gaming platforms
3% Cashback on Fuel, Any Brand
Unlike most fuel cards, this works at any petrol pump regardless of brand
UPI Cashback on RuPay Variant
0.5% unlimited cashback on UPI spends when using the RuPay version of the card
Jump to
Est. monthly rewards₹0Based on the calculator
Approval odds78%For CIBIL 750+ profiles
Min. credit score700+ recommendedBank stated requirement
Approval time3–7 daysAfter document check
Card Overview
Key Privileges & Highlights
Limited-time zero joining fee offer, subject to current promotional availability
Immediate access to 5% cashback categories and 3% fuel cashback from card activation
Annual fee waiver
Why Choose This Card?
5% Cashback on Food, Grocery & Entertainment
Covers Swiggy, Zomato, Blinkit, BigBasket, Netflix, Prime Video and gaming platforms
3% Cashback on Fuel, Any Brand
Unlike most fuel cards, this works at any petrol pump regardless of brand
UPI Cashback on RuPay Variant
0.5% unlimited cashback on UPI spends when using the RuPay version of the card
Low, Easily Waivable Fee
Just ₹750 + GST, waived on a modest ₹2 lakh annual spend
Earn 5% cashback on online food, grocery and entertainment, 3% on fuel at any brand, and unlimited 0.5% on everything else. Full Kotak Cashback+ Credit Card breakdown for Indian spenders.
Editor's Note: The Kotak Cashback+ Credit Card is positioned against the other KOTAK premium cards on travel perks, concierge support and lounge access at its stated annual fee — which is what makes it competitive for frequent flyers.
Rewards Program & Accumulation
Online Spends
5X
Offline Spends
Not published by the bank
Point Value (INR)
1 RP = ₹0.25
Max Monthly Cap
No Limit
Reward Points Redemption Value
| Redemption Option | Value per Reward Point |
|---|---|
| Convert into Air Miles (Standard partners) | 1 RP = 1 Air Mile / Partner Point |
| Flight & Hotel Bookings (Smartbuy / Portal) | 1 RP = Up to ₹1.00 |
| Product Catalogue vouchers | 1 RP = Up to ₹0.50 |
| Statement Cashback adjustment | 1 RP = ₹0.30 |
Miles Transfer Partners Conversion Ratios
1 RP = 1 Partner Point/Mile
SpiceClub (SpiceJet), AirAsia, Finnair Plus, Flying Blue, Hainan Airlines, IHG One Rewards, Vietnam Airlines LotusMiles, Wyndham Rewards.
1 RP = 0.5 Partner Point/Mile
Club ITC Green Points, Aeroplan (Air Canada), ALL Accor Live Limitless, Avianca LiveMiles, British Airways Executive Club, Etihad Guest, Turkish Airlines.
Additional Reward Details
- •5% cashback on online food delivery
- •online grocery
- •and online entertainment (OTT subscriptions
- •video games)
- •and auto dealer spends
- •3% cashback on fuel spends at any petrol pump regardless of brand
- •both accelerated categories combined capped at 750 Reward Points per statement/billing cycle
- •unlimited 0.5% cashback on all other eligible spends
- •including offline grocery
- •dining and entertainment
- •RuPay variant holders earn an additional unlimited 0.5% cashback on eligible UPI transactions
- •insurance spends up to ₹25
- •000/billing cycle earn base 0.5% cashback
- •1 Reward Point = ₹1
- •redeemable only as statement cashback via Kotak Unbox
Exclusions on points earning:Accelerated 5%/3% cashback categories combined are capped at 750 Reward Points per statement/billing cycle; no cashback beyond the cap in accelerated categories; cashback reversed if credited before EMI conversion of a transaction
Welcome Perks & Milestone Vouchers
Welcome Gifts & Voucher Packages
Limited-time zero joining fee offer, subject to current promotional availability
Immediate access to 5% cashback categories and 3% fuel cashback from card activation
Quarterly & Annual Spend Milestones
Annual fee waiver
Condition: Spend ₹2,00,000 or more in the preceding anniversary year
Airport Lounge Access Terms
Domestic Lounges
Not offered on this card
International Lounges
Not offered on this card
Condition: Not applicable
Other General Benefits
- Up to 3 free add-on cards for family members aged 18+
- sharing the primary credit limit
- 1% fuel surcharge waiver (₹500–₹4
- 000 transactions
- capped ₹3
- 500/year)
- interest-free period of up to 51 days depending on payment due date
- limited-time BOGO (Buy One Get One) movie ticket offer on PVR INOX bookings
- up to 20% off (capped ₹150) on BookMyShow bookings (min. spend ₹299)
- Visa Rewards / RuPay Select network offers depending on card variant
- contactless payment enabled
Current Card Offers
- Limited-time zero joining fee offer for new applicants (subject to availability)
- BOGO movie ticket offer on PVR INOX
- up to 20% off (capped ₹150) on BookMyShow bookings on minimum spend ₹299
Your first year with this card
On joining
Limited-time zero joining fee offer, subject to current promotional availability
Credited after the joining fee is paid
On joining
Immediate access to 5% cashback categories and 3% fuel cashback from card activation
Credited after the joining fee is paid
On spend milestone
Annual fee waiver
Spend ₹2,00,000 or more in the preceding anniversary year
At renewal
Annual fee waiver
Annual fee waived on spending ₹2,00,000 or more in the preceding anniversary year
All year
Limited-time zero joining fee offer for new applicants (subject to availability)
Running offer on this card
All year
BOGO movie ticket offer on PVR INOX
Running offer on this card
Schedule of Fees & Charges
| Fee Particulars | Amount / Terms |
|---|---|
| Joining Fee | ₹0 |
| Joining Fee Details | ₹750 plus GST joining fee applies; Kotak Bank has periodically run a limited-time zero joining fee promotional offer for new applicants — confirm current applicability before applying. |
| Annual / Renewal Fee | ₹750 + GST joining fee (limited-time Nil-fee offer for first year may apply); ₹750 + GST annual fee from year 2 (waived on ₹2 lakh annual spend) |
| Annual Fee Details | ₹750 plus GST annual fee from the second year onward, fully waived on annual spend of ₹2,00,000 or more, per Kotak Bank's official Key Fact Statement. |
| Annual Fee Waiver Terms | Annual fee waived on spending ₹2,00,000 or more in the preceding anniversary year |
| Finance Charges (Interest Rate) | 3.5% per month (approx. 42% p.a.) |
| Late Payment Charges | Slab-based late payment charges depending on outstanding balance, per Kotak Bank's official Key Fact Statement |
| Cash Advance Fee | Not applicable — cash withdrawal is not allowed on this card |
| Add-on Card Fee | Nil — up to 3 free add-on cards for family members aged 18+, sharing the primary cardholder's credit limit |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹500–₹4,000, capped at ₹3,500 in an anniversary year |
| Exclusion on Spends | No cashback on rent, B2B transactions, utilities, education, government payments, wallet loads, online skill-based gaming and EMI transactions, per Kotak Bank MITC |
Eligibility Criteria & Required Documents
Eligibility Prerequisites
Age Range
21 - 65 Years
Occupation Profile
Salaried / Self-Employed
Min Salaried Income
Not published
Min Self-Emp Income
₹75,000/mo
Required CIBIL Score
750+ (Excellent)
Serviceable Cities
All Tier-1 / Tier-2 Cities
Required Documents Checklist
1. Identity Proof
- Aadhaar Card copy
- PAN Card copy (Mandatory)
- Passport or Driving License
2. Address Proof
- Voter ID copy
- Aadhaar Card copy
- Electricity / Gas utility bill
3. Income Proof
- Salary slip (Last 3 months)
- Form 16 or Income Tax Return
- Bank statement (Last 6 months)
Inline Comparison Matrix
Compare Kotak Cashback+ Credit Card directly side-by-side with recommended credit cards of similar categories.
| Metric | Kotak Cashback+ Credit CardKOTAK | Swiggy BLCK HDFC Bank Credit CardHDFC Bank | IRCTC RBL Bank Credit CardRBL Bank |
|---|---|---|---|
| Joining Fee | ₹0 | ₹1,000 + applicable GST (waivable on ₹75,000 spend within first 90 days) | ₹500 + applicable GST |
| Annual Fee | ₹750 + GST joining fee (limited-time Nil-fee offer for first year may apply); ₹750 + GST annual fee from year 2 (waived on ₹2 lakh annual spend) | ₹1,000 + applicable GST (from 2nd year onward) | ₹500 + applicable GST |
| Waiver Terms | Annual fee waived on spending ₹2,00,000 or more in the preceding anniversary year | Renewal fee waived on spending ₹2,00,000 or more in a year before the card renewal date (cash withdrawal, Cash-on-Call and balance transfer transactions excluded from this spend calculation) | No spend-based annual fee waiver is published for this card as of the latest available information; verify current waiver terms on rbl.bank.in |
| Best Suited For | Cashback,Cashback,Cashback,Cashback | Cashback,Cashback,Cashback,Cashback | Travel,Travel,Travel,Travel |
| Lounge Access | Not offered on this card | Not offered on this card | 8 complimentary railway lounge visits per year (2 per quarter) at select IRCTC Executive Lounges; a nominal ₹2 charge applies to validate the card for each complimentary visit |
| Interest Rate | 3.5% per month (approx. 42% p.a.) | 3.5% per month (approx. 42% p.a.) | Up to 3.99% per month (47.88% p.a.) |
| Min Income | Not published | Not published | Not published |
| View card | View card |
Pros & Cons Comparison
What We Like (Pros)
- Strong 5% cashback on food delivery
- grocery and entertainment — categories most young spenders use daily; 3% cashback on fuel at any brand
- unusual since most fuel cards restrict to one refiner; unlimited 0.5% base cashback with no cap; UPI cashback available on the RuPay variant; up to 3 free add-on cards; annual fee easily waivable on ₹2 lakh spend
Drawbacks (Cons)
- Base cashback rate of just 0.5% is low for a card charging a ₹750 annual fee; accelerated 5%/3% categories capped at only 750 Reward Points (≈₹750) per billing cycle
- limiting savings for higher spenders; cashback redeemable only via the Kotak Unbox platform
- not auto-adjusted against statement; no cash withdrawal facility; no complimentary airport lounge access; ~42% p.a. interest if balance is carried
In-Depth Guide
Kotak Cashback+ Credit Card — Cashback on Food, Grocery, Entertainment & Fuel — Complete Review
Frequently Asked Questions
User Ratings & Reviews
4.2
15 Verified Reviews
5 Stars
75%
4 Stars
15%
3 Stars
5%
2 Stars
3%
1 Stars
2%
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Rewards Calculator
Dining & Entertainment₹ 5,000
Travel & Flights₹ 10,000
Online Shopping₹ 8,000
Groceries & Utilities₹ 6,000
Other Spends₹ 15,000
Estimated Monthly Spend
₹ 44,000
Reward Points Earned
1,495 Pts
Value: ₹ 373 / month