Kotak Cashback+ Credit Card
Maximise your monthly savings while spending with up to 5% cashback on your Cashback+ Credit Card.
Big Savings on Essentials
- 5% cashback on online food deliveries, groceries and entertainment.
- Fuel Up & Save
- 3% cashback on all fuel spends + 1% fuel surcharge waiver
- 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
- For RuPay variant, UPI on CC spends will earn unlimited 0.5% cashback
- UPI on CC spends will earn base cashback on all spends, except excluded Merchant Category Codes (MCCs)
- 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 750 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.
