Credit card
Kotak Cashback+ Credit Card
Best for cashback on everyday spending
₹750/yr annual fee
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹750/yr
Reward rate
Not published
Min. income
₹2,00,000
Forex markup
Not published
Lounge access
None
Eligibility
₹2 lakh/yr · CIBIL 700+
Reward cap
₹500/month
Welcome benefit
None beyond the reward rate
Who is this for
- Everyday spender
- Budget-conscious
What we like
- 1% cashback on all purchases
- 5% on food delivery
Watch out for
- Rs 750 annual fee
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹750 | Not waivable |
| Annual fee | ₹750 | Waived on Rs 3 lakh annual spend |
| Late payment | ₹500 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1.00 | ₹500/month | 1.00 |
| FOOD_DELIVERY | 5.00 | ₹300/month | 1.00 |
| UTILITY_BILLS | 3.00 | ₹300/month | 1.00 |
Benefits
-
Cashback on everyday spends Highlight
1% cashback on all purchases
-
Fuel surcharge waiver
1% waiver on fuel transactions Rs 500-3,000
Eligibility
- Age
- 21–65 years
- Min. income
- ₹2,00,000
- Min. credit score
- 700+
- Score note
- Good credit history
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, salary slips / ITR
Kotak Cashback+ Credit Card is a VISA credit card from Kotak Mahindra Bank. It is best suited for cashback on everyday spending.
Fees and rewards
- Annual fee: Rs 750
- Joining fee: Rs 750
- Rewards: 1% cashback on all purchases; 5% on food delivery; 3% on utility bills
Eligibility
PAN, Aadhaar, salary slips / ITR
Card data compiled from issuer published fee schedules. Status: active.
Apply for Kotak Cashback+ Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the Kotak Cashback+ Credit Card worth it?
What is the annual fee for the Kotak Cashback+ Credit Card?
How does the Kotak Cashback+ Credit Card reward rate work?
What are the eligibility requirements for the Kotak Cashback+ Credit Card?
Does the Kotak Cashback+ Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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