Kotak
Kotak Cashback+ Credit Card
This is an invite only card
Apply and get ₹1100 Rewards
Top Benefits
Earn 5% Cashback on Blinkit, Zepto, BigBasket
and other online grocery platforms Combined cap of 750 points per billing cycle on accelerated categories
Earn 5% Cashback on Swiggy, Zomato
and similar platforms Cashback capped at 750 points per billing cycle on accelerated categories
Best For
Fuel
Online Food Ordering
Grocery Shopping
Expert Review
Joining / Annual Fee
Joining Fees
₹885 ( ₹750 + GST )
Annual Fees
₹885 ( ₹750 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
All Card Benefits
- Up to 5% cashback on online food delivery, online grocery and online entertainment
- 3% cashback on fuel spends across fuel stations
- 0.5% unlimited cashback on every other eligible spend
- RuPay variant additionally earns 0.5% on UPI on CC spends
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement.
To check redemption catalogue
N/A
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Kotak Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Kotak Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent
B2B transactions
Utilities
Insurance
Education
Government spends
Wallet
Online skill-based gaming
EMI
For Spends Waiver
Rent
B2B transactions
Utilities
Insurance
Education
Government spends
Wallet
Online skill-based gaming
EMI
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal Cash advance / ATM withdrawal facility is not available on the Kotak Cashback+ Credit Card | Not Applicable |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹100 is charged for cash payments made at Kotak branches | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001 - ₹25000 | ₹900 |
| ₹25001 - ₹50000 | ₹1100 |
| Above ₹50000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1100 Rewards
Top Benefits
Earn 5% Cashback on Blinkit, Zepto, BigBasket
and other online grocery platforms Combined cap of 750 points per billing cycle on accelerated categories
Earn 5% Cashback on Swiggy, Zomato
and similar platforms Cashback capped at 750 points per billing cycle on accelerated categories
The smartest way to find your great credit card
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