Kotak Cashback+ Credit Card

Kotak's current flagship mass-market cashback card, with strong accelerated cashback on everyday online spend (groceries, food delivery, movies/OTT) plus unlimited 0.5% on everything else.

Rates and fees last verified 14 September 2026.

Annual fee

₹750

Joining fee

₹750

Reward type

cashback

Base reward rate

0.5%

Card network

Visa

Card tier

Entry

Reward rates by category

Groceries5% (capped ₹750/monthly)
Fuel3%

Eligibility

Minimum credit score: 700
Employment: salaried, self-employed
Age: 21–60

Benefits

5% cashback on online groceries, online food deliveries, online movie tickets and OTT subscriptions (up to 750 points/cycle across accelerated categories)
1% fuel surcharge waiver on transactions between ₹500–₹4,000, capped at ₹3,500 per year
PVR/INOX movie ticket buy-one-get-one offer and 20% off on BookMyShow bookings

Pros

+ Strong 5% cashback on high-frequency online categories
+ Unlimited base cashback with no category exclusion on the base rate
+ Achievable ₹2L fee-waiver spend threshold

Cons

− Accelerated cashback capped at 750 points per billing cycle across categories combined
− No lounge access or travel benefits
− Cash withdrawals not permitted on this card

Apply on Kotak Mahindra Bank's site

Applying takes you to Kotak Mahindra Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.