Kotak Cashback+ Credit Card on Electricity bills
No. The Kotak Cashback+ Credit Card earns no rewards on Electricity bills.
On Electricity bills
0%
Other spends
0.5%
Rank for Electricity bills
#133 of 149
Annual fee
₹750 + Taxes
What to know before you pay on Electricity bills
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
Cards that earn more on Electricity bills
-
#1
PhonePe SBI Card SELECT BLACK
SBI Card · ₹1,499 + Taxes · Max ₹1,500 a month
10%
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#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month
10%
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#3
BOBCARD Cashback Credit Card
Bank of Baroda · ₹499 + Taxes a year, or ₹49 a month · Max ₹1,875 per statement cycle
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Where else the Kotak Cashback+ Credit Card earns more
Questions
Does the Kotak Cashback+ Credit Card give rewards on Electricity bills?
No. The Kotak Cashback+ Credit Card earns no rewards on Electricity bills.
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 Electricity bills?
PhonePe SBI Card SELECT BLACK is the best pick for regular spending on Electricity bills, with 10% back. The Kotak Cashback+ Credit Card ranks #133 of 149 cards we compared, by what each returns after caps.