Kotak Cashback+ Credit Card

The Kotak Cashback+ Credit Card is designed for everyday spenders who want to maximize savings on their most frequent purchases. With up to 5% cashback on online food deliveries, groceries, and entertainment, the card rewards cardholders generously in the categories they spend on most. Fuel spenders also benefit from 3% cashback on all fuel transactions across stations, along with a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹3,500 per anniversary year. For all other eligible spends, cardholders earn unlimited 0.5% cashback, ensuring value on every purchase. Cashback is earned as reward points, where 1 point equals ₹1, and can be conveniently redeemed through the Kotak Rewards Platform directly against statement outstanding. Accelerated cashback earnings are capped at 750 points per billing cycle, while base cashback remains unlimited. Cardholders can also enjoy exclusive lifestyle benefits, including a Buy 1 Get 1 offer on PVR INOX movie tickets, valid until March 2026. The card carries a joining and annual fee of ₹750 each, with the annual fee waived on anniversary spends of ₹2 lakh or more. Up to three add-on cards can be issued free of charge, making it a practical and rewarding choice for value-conscious households seeking meaningful returns on essential daily spending.