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Kotak Mahindra Bank
Cashback+
RuPay
Kotak Mahindra Bank

Kotak Cashback+ Credit Card

★ 4.0 / 5 ⓘ How we rate

5% back on online groceries & food delivery, 3% on fuel

✅ Verified Oct 2026 from Kotak Mahindra Bank's official page →

Joining: FREEAnnual: ₹750🎁 0.5% – 5% cashback
Apply Now — it's free → 🔒 You'll apply on Kotak Mahindra Bank's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

🛒
5% backonline grocery, food & entertainment
⛽
3% on fuel+ 1% surcharge waiver
♾️
0.5% unlimitedon other spends
👤
Perfect for

Families who order groceries and food online

Key benefits

  • 5% cashback on online food delivery, groceries and entertainment
  • 3% cashback on fuel plus 1% fuel surcharge waiver
  • 0.5% unlimited cashback on other eligible spends
  • 1 reward point = ₹1 when redeemed
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • Simple cashback structure
  • Covers fuel too
  • RuPay card works on UPI

Good to know

  • 5% and 3% buckets capped at ₹500 per bill combined
  • Low 0.5% on everything else
  • No lounge access

Quick facts

Fee waiverZero joining fee on current offer; annual ₹750 waived on ₹2 lakh spend
Lounge accessNone
Min. income₹3 lakh/year
Age21 – 65 years
Credit score720+
NetworkRuPay
Forex markup3.5%
Joining feeFREE

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.5%/month (42% p.a.)
Foreign currency markup3.5%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • Minimum 500 points to redeem
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

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❓ Kotak Cashback+ — common questions

Is the Kotak Cashback+ Credit Card lifetime free?

No. It has a joining fee of FREE and an annual fee of ₹750 (plus 18% GST). Zero joining fee on current offer; annual ₹750 waived on ₹2 lakh spend.

What rewards does the Kotak Cashback+ Credit Card give?

0.5% – 5% cashback. 5% cashback on online food delivery, groceries and entertainment.

Who is eligible for the Kotak Cashback+ Credit Card?

Minimum income: ₹3 lakh/year. Age: 21 – 65 years. Credit score: 720+. Final approval is decided by the bank.

Does the Kotak Cashback+ Credit Card give airport lounge access?

No, this card does not include airport lounge access.

What is the forex markup on the Kotak Cashback+ Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the Kotak Cashback+ Credit Card?

Families who order groceries and food online.

Explore💸 Cashback Cards🛍️ Shopping Cards📲 UPI Credit Cards⛽ Fuel Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

Kotak Mahindra Bank Cashback+Apply in ~5 min
Apply Now →