Kotak Cashback+ Credit Card

Kotak Cashback+ Credit Card on BPCL

Yes. The Kotak Cashback+ Credit Card gives 3% back when you pay on BPCL directly, compared with 0.5% on its other spends.

On BPCL

3%

Other spends

0.5%

Rank for BPCL

#2 of 149

Annual fee

₹750 + Taxes

What to know before you pay on BPCL

Cap on BPCL

Max ₹750 per statement cycle (shared by the 5% and 3% categories)

How it works

5% is by merchant category, online only: grocery, food delivery and movies. Airtel DTH (MCC 4899) would earn 5% but mobile/broadband bills are utilities and earn nothing. Amazon Fresh or Flipkart grocery orders coded 5411 may also get 5%. Dining out earns 5% only when paid online, for example through District or Dineout.

Caps & rules

  • 5% on online grocery (MCC 5411 etc.), online food delivery/restaurants (5812, 5814) and online entertainment (movies, OTT, DTH); 3% on fuel.
  • The 5% and 3% share one cap of ₹750 cashback per billing cycle, then 0%.
  • 0.5% elsewhere, uncapped.
  • UPI spends on the RuPay variant earn only 0.5%.
  • Redeem on Kotak Unbox; cashback expires after 1 year.

Reward limits

  • 5% on online grocery, food delivery and entertainment, and 3% on fuel (one shared cap): max ₹750 per billing cycle
  • 0.5% on other spends: No limit

No rewards on

Rent, B2B, utilities, insurance, education, government, wallet, online skill gaming, EMI, balance transfer

Checked 2026-09-28 · Bank terms

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Where else the Kotak Cashback+ Credit Card earns more

BigBasket 5% Blinkit 5% BookMyShow 5% Dining out 5% JioMart 5% PVR INOX 5% Swiggy 5% Swiggy Instamart 5%

Questions

Does the Kotak Cashback+ Credit Card give rewards on BPCL?

Yes. The Kotak Cashback+ Credit Card gives 3% back when you pay on BPCL directly, compared with 0.5% on its other spends.

Is there a limit on Kotak Cashback+ Credit Card rewards?

5% on online grocery (MCC 5411 etc.), online food delivery/restaurants (5812, 5814) and online entertainment (movies, OTT, DTH); 3% on fuel. The 5% and 3% share one cap of ₹750 cashback per billing cycle, then 0%. 0.5% elsewhere, uncapped. UPI spends on the RuPay variant earn only 0.5%. Redeem on Kotak Unbox; cashback expires after 1 year.

Which credit card is best for BPCL?

BPCL SBI Card Octane is the best pick for regular spending on BPCL, with 6.25% back. The Kotak Cashback+ Credit Card ranks #2 of 149 cards we compared, by what each returns after caps.

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