Kotak Cashback+ Credit Card
Kotak Mahindra Bank · Cashback · Statement Credit
This comprehensive guide covers the Kotak Cashback+ Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Kotak Cashback+ Credit Card from Kotak Mahindra Bank offers cashback rewards credited directly to your statement at 5% (up to ₹500 per cycle). Top earning categories include 5% cashback on grocery, fuel, and utility and more. This card has no annual fee.
Best for: Grocery, Fuel, Utility, General Online
Reward Examples
Spend ₹1,000 on Grocery → earn ₹50 (5%) · 5% cashback on grocery, fuel, and utilit
Spend ₹1,000 on General online → earn ₹10 (1%) · 1% cashback on all other spends
Official product page → Official rules →
Waiver: Lifetime free
Reward Rules
- 5% 5% cashback on grocery, fuel, and utility (cap: ₹500)
- 1% 1% cashback on all other spends (cap: ₹500)
Important Notes
- Cashback capped at INR 500 per statement cycle
- Lifetime free card
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Kotak Cashback+ Credit Card vs Similar Cards
- Airtel Axis — 25% top rate · ₹500
- Amazon Pay ICICI — 5% top rate · ₹0
- AU Bank LIT Credit Card — 5% top rate · ₹499
Maximize Your Rewards
To earn the highest rewards, use the Kotak Cashback+ Credit Card for its bonus categories: Grocery, Fuel, Utility, General Online, Electronics Accessories.