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Kotak Cashback+ Credit Card

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Kotak Cashback+ Credit Card

Your favourite shows, foodie moments, road adventures and more are about to become even more rewarding with your Cashback+ Credit Card.

Features

Big Savings on Essentials

5% cashback on online food deliveries, groceries and entertainment

Fuel Up & Save

3% cashback on fuel spends across fuel stations

Everyday Cashback

0.5% unlimited cashback on other eligible spends

Earn accelerated cashback

5% on online grocery & food delivery
5% on online entertainment
3% on fuel spends across fuel stations

Earn base cashback

Unlimited 0.5% cashback on other eligible spends
Offline grocery, dining, and entertainment purchases will earn base cashback

Fuel Surcharge Waiver

1% fuel surcharge waiver will be available on transactions between ₹500 to ₹4000. Maximum waiver is allowed up to ₹3500 in an anniversary year.

Cashback not applicable on

Rent, B2B transaction, Utilities, Insurance, Education and Government, Wallet, Online skill-based gaming, and EMI
The restrictions will be based on the Merchant Category Codes (MCCs), which are 4-digit numbers assigned to merchants or businesses by card networks such as VISA, MasterCard, and RuPay.

Cashback value, capping, redemption, and expiry

Cashback earned on accelerated spends will be capped at 500 points per billing cycle
Cashback will be given basis the Merchant Category Code (MCC) on which spends is made. For more details, please refer to our T&C.
1 reward point is equivalent to ₹1 and will be earned only in multiples of ₹1
Unclaimed cashback will expire in 1 year

Network offers

To explore VISA Rewards offers on your cards, please click here.

Please note: All network offers are subject to the T&Cs of the merchants and network.

T&C apply
For detailed T&C of the product, please click here.

Cashback+ Card Benefits	Annual Spends (in ₹)	Monthly Spends (in ₹)	Monthly Benefit (in ₹)	Annual Benefit (in ₹)
5% Cashback on Online food delivery & groceries	74,400	6,200	310	3,720
5% Cashback on Online entertainment	24,000	2,000	100	1,200
3% Cashback on fuel	36,000	3,000	90	1,080
1% fuel surcharge waiver	36,000	3,000	30	360
0.5% Cashback on every other eligible spends	65,600	5,467	27	324
Annual Fee Waiver (on anniversary spends of ₹2 lakhs or above)	-	-	-	750
TOTAL	2,00,000	16,667	557	7,434

Fees and Charges

Fee & Charges	Kotak Cashback+ Credit Card
Joining fee	₹750
Annual fees	₹750 (waived off on annual spends of ₹200,000)
Interest charges on outstanding balances	3.75% (Annualized @ 45%)
Add-On card fee	₹0
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	1% of TAD
ATM cash withdrawal/ Call a draft/ Fund Transfer/ Cash advance per ₹10,000 or part thereof	By default, cash advance has been disabled for this product
Over limit charge	₹500
Cheque bounce charges	Higher of (2% of bounce amount or ₹500)
Standing Instruction failure/Auto debit return charges	2% of the bounce/outstanding amount, with minimum of ₹450, to a maximum of ₹5000
Foreign currency mark up	3.5% per transaction
Fee for cash payment at Bank	₹100
Reissue/ Replacement Card (Fees per card issuance)	₹100
Credit limit increase charges	₹100
Outstation cheque processing fee	Nil
Charge slip request	Nil
Machine surcharge at ATM’s	Nil
Balance enquiry charges at Non Kotak ATM’s	Nil
Duplicate statement request	Nil
Late Payment Charges ("LPC")
Due as per last statement	LPC Charges
<₹ 100	₹0
>₹ 100- ₹ 500	₹100
>₹ 500 – ₹ 5,000	₹500
>₹ 5,000 – ₹ 10,000	₹600
>₹ 10,000 – ₹ 25,000	₹800
>₹ 25,000 – ₹ 50,000	₹1,000
>₹ 50,000	₹1,200
1% transaction charge will be applicable on
Wallet Load and Online skill-based gaming platform	Total spends exceeding ₹10,000 per statement cycle
Fuel	Total spends exceeding ₹25,000 per statement cycle
Utility	Total spends exceeding ₹35,000 per statement cycle
Education	Spends made via third-party apps (For example: PhonePe, Cred, Mobikwik, etc) Transactions made directly through educational institution websites or their card-swipe machines will not incur this fee
Education

Please Note:

GST and applicable taxes will be charged annually on interest, fees, and other charges according to the Finance Act.
Railway surcharge waiver is not applicable on this card.
1% transaction charge will be based on the Merchant Category Codes (MCCs), which are 4-digit numbers assigned to merchants or businesses by card networks such as VISA, MasterCard, and RuPay.

Kotak Cashback+ Credit Card

Kotak Cashback+ Credit Card

Features

Big Savings on Essentials

Fuel Up & Save

Everyday Cashback

Earn accelerated cashback

Earn base cashback

Fuel Surcharge Waiver

Cashback not applicable on

Cashback value, capping, redemption, and expiry

Network offers

Frequently Asked Questions

What is the JF and AF of this card?

How many add-on cards can I have?

What is the add-on card fee?

What will the limit of the add-on card?

What is the cash withdrawal limit on this card?

How can I activate my card?

What is the rewards earn rate on this card?

What are the rewards restricted categories?

What is the rewards capping on this card?

Will the accelerated categories earn base rewards once the capping is met?

What is the cashback redemption rate of 1 reward point?

How can I redeem the earned reward point?

Are there any charges for rewards redemption?

Is there fuel surcharge waiver on this card?

Fees and Charges