3.9 from 399 Users
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
Fuel
Online Food Ordering
Grocery Shopping
Joining Fees
₹885 ( ₹750 + GST )
Not Applicable
Annual Fees
₹885 ( ₹750 + GST )
The annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy.
Age Criteria
21-60 years
Salary Criteria
3 LPA
Credit Rating*
720+
See if you are eligible for this card
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
All Benefits
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
| 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 Withdrawl 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 Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared | 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 |
TOP USPs
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
Apply Now