Kotak Cashback+ Credit Card on PhonePe

No. The Kotak Cashback+ Credit Card earns no rewards on PhonePe.

On PhonePe

Other spends

0.5%

Rank for PhonePe

#142 of 149

Annual fee

₹750 + Taxes

What to know before you pay on PhonePe

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%.

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% JioMart 5% PVR INOX 5% Swiggy 5% Swiggy Instamart 5% Zepto 5%

Questions

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

No. The Kotak Cashback+ Credit Card earns no rewards on PhonePe.

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 PhonePe?

PhonePe SBI Card SELECT BLACK gives the most on PhonePe, 10% back. The Kotak Cashback+ Credit Card ranks #142 of 149 cards we compared.