Kotak Cashback+ Prime

5% eligible online food/groceries and auto dealer; 3% fuel; 0.5% other. Check merchant code, channel and card eligibility before relying on the estimate.

Where it pays

5% eligible online food/grocery delivery, entertainment and auto-dealer spend; 3% fuel. All accelerated categories share a ₹750 billing-cycle cap and get no further cashback after cap. Other eligible categories receive 0.5%; insurance up to ₹25,000 per cycle can earn base, but generic category cannot establish its MCC and is not modeled. Points redeem as statement cashback at ₹1 each, in multiples of 400, expiring after one year. The calculator conservatively credits only full 400-point blocks from twelve identical monthly spends; real timing/redemption may differ. Cashback earned rounds to whole rupees, modeled as one transaction monthly. Rent, B2B, utilities, education, government, wallet, online skill gaming and EMI excluded. ₹750 joining/renewal; annual retail spend ₹2 lakh waives renewal. Product T&C: https://www.kotak.bank.in/content/dam/Kotak/files/t-and-c-cb-plus-prime.pdf ; issuer product page lists redemption multiples, fees and exclusions.

Issuer source

https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-cashback-plus-prime-credit-card.html

Checked 27 Sep 2026. One category repeated monthly; actual points, transaction sizes and shared caps may differ. Welcome, milestone and special offers not counted. Check issuer terms before applying.