Kotak Cashback Plus Credit Card
Enjoy 5% Cashback on online grocery, food delivery & entertainment with Zero Joining Fee.
Overview
The Kotak Cashback Plus Credit Card is a high-value savings card tailored for the modern digital consumer. It offers industry-leading cashback on popular categories like Swiggy, Zomato, and Blinkit. With the current Zero Joining Fee offer, it serves as an excellent entry-point for those looking to maximize monthly savings on essential online spends.
Features & Benefits
Joining & Renewal Benefits
Zero Joining Fee (limited period offer).
Cashback & Rewards
- • 5% cashback on Blinkit, Instamart, Zomato, Swiggy, BookMyShow, OTT platforms
- • 3% cashback on fuel spends
- • 0.5% unlimited cashback on other spends
- • ₹500 monthly cap on accelerated cashback
Cashback is automatically credited to the credit card statement.
Lifestyle Benefits
- • Fraudulent usage cover provided
- • Access to Kotak priority customer support
1% waiver on transactions between ₹500 and ₹4,000 (capped at ₹3,500 annually).
3.5% + GST on international transactions.
Fees & Charges
- • Zero Joining Fee makes it low-risk
- • 3% cashback on fuel
- • High 5% cashback on daily spends
- • ₹500 monthly cap on accelerated cashback
- • Not available for new-to-credit users
- • ₹750 annual fee if waiver not met
- • VKYC must be done within 50km of Aadhaar/communication address
- • Existing/past Kotak cardholders not eligible for EarnKaro profit
- • Age 21–65 years
- • Aadhaar-linked mobile number required
- • Stable income source