Kotak Cashback+ Credit Card
Fees
₹750 + Taxes
Joining & annual
Reward Rate
5% cashback on food delivery, entertainment & groceries; 3% on fuel; 0.5% on other spends (capped at 750 points/cycle on accelerated categories)
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge
No Lounge Access
Our Expert Take
The Kotak Cashback+ Credit Card from Kotak Bank offers Online Merchant Shopping & Food Delivery Cashback with an annual fee of ₹499 + Taxes.
Reward limits
Checked 28 Sep 2026 · Bank terms
-
5% on online grocery, food delivery and entertainment, and 3% on fuel (one shared cap)
Max ₹750 per billing cycle
Reached after about ₹15,000 to ₹25,000 of spend
-
0.5% on other spends
No limit
No rewards on: Rent, B2B, utilities, insurance, education, government, wallet, online skill gaming, EMI, balance transfer
Where this card earns most
Paying directly in the app or site · 0.5% on other spends
Pros & Cons
Key Advantages
- 5% cashback on food delivery, entertainment & groceries
- 3% cashback on fuel spends
- Unlimited 0.5% cashback on all other eligible purchases
- Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)
Limitations
- Accelerated cashback is capped at 750 Reward Points per statement cycle
- No airport lounge access
- Base reward rate on general spends is a modest 0.5%
Key Perks & Spending Milestones
5% cashback on food delivery, entertainment & groceries; 3% on fuel; 0.5% on other spends
Accelerated cashback capped at 750 points per statement cycle
Rent, utilities, insurance, education, government payments, wallet loads, EMIs and online gaming excluded from earning cashback
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Spend milestone
Annual fee waived on ₹1 Lakh annual retail spends
Fees & Charges
Joining fee
₹750 + Taxes
Annual fee
₹750 + Taxes
Annual fee waived on ₹1 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the cashback structure on Kotak Cashback+?
Which spends are excluded from cashback?
Does Kotak Cashback+ offer lounge access?
Compare Kotak Cashback+ Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Kotak Cashback+ Credit Card This Card | ₹750 + Taxes | 5% cashback on food delivery, entertainment & groceries; 3% on... | No Lounge Access | 4.4/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |