All cards / Kotak Mahindra Bank
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.
Annual fee
₹750
Joining fee
₹750
Reward type
cashback
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in groceries, fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: PVR/INOX movie ticket buy-one-get-one offer and 20% off on BookMyShow bookings
- Rewards rate: 0.5% base rate
Benefits by category
- 🛒 Groceries
5% reward rate (capped ₹750/monthly)
- ⛽ Fuel
3% reward rate · 1% fuel surcharge waiver on transactions between ₹500–₹4,000, capped at ₹3,500 per year
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500–₹4,000, capped at ₹3,500 per year
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
Related guides