Kotak Cashback+

5% eligible online food/groceries; 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 and entertainment; 3% fuel. These accelerated categories share ₹750 per billing cycle, and get no further cashback once capped. Other eligible spend gets unlimited 0.5%. Points worth ₹1 each redeem only against statement outstanding, with 500-point minimum and one-year expiry; the calculator zeroes projected reward if steady annual points do not reach that minimum. One category repeated monthly, rounded to whole rupees per monthly spend; actual multiple purchases can round lower. Rent, B2B, utilities, insurance, education, government, wallet, online skill gaming and EMI excluded. ₹750 joining/renewal, renewal waived on ₹2 lakh annual retail spend; fuel surcharge waiver is separate and not counted. Issuer T&C: https://images.kotak.bank.in/bank/mailers/2025/files/CC+_TC.pdf ; fees: https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-cashback-plus-credit-card/fees-and-charges.html

Issuer source

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