The Kotak Cashback+ Credit Card is designed for everyday spending, offering attractive cashback benefits across multiple categories. Cardholders earn 5% cashback on groceries and entertainment, 5% on online food delivery, and 3% on fuel purchases. With a first-year fee of ₹750 plus applicable taxes, it’s ideal for maximizing routine expenses.
The Kotak Cashback+ Credit Card is primarily focused on rewarding daily spending, including online groceries, food delivery, entertainment, and fuel purchases. In addition to category-specific cashback, cardholders earn 0.5% unlimited cashback on all other eligible transactions. While the card is suitable for regular spends, the modest monthly cashback cap may limit benefits for heavy spenders. Below is a detailed look at its features, benefits, and who can make the most of this card.
Note: This card is not listed on Paisabazaar. For more details or to apply, visit the official Kotak Mahindra Bank website.
Cashback Benefits
Earn 5% cashback on online groceries, food delivery, and digital entertainment services.
Get 3% cashback on fuel purchases at any petrol station, irrespective of the brand.
Receive 0.5% cashback on all other eligible transactions.
Limits and Conditions
Monthly combined cap of ₹500 applies to the higher cashback categories (5% and 3%).
No cap on the standard cashback of 0.5%.
Cashback is credited as reward points, redeemable at a 1:1 ratio.
Additional Perks
1% waiver on fuel surcharges for transactions between ₹500 and ₹4,000, up to a maximum of ₹3,500 per year.
Annual fee can be waived if total spending in the previous year exceeds ₹2 lakh.
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 750 + Taxes | ||||||||||||||||||
| Annual/ Renewal Fee | Rs. 750 + Taxes (Waived off on spending Rs. 2 lakh in a year) | ||||||||||||||||||
| Finance Charges | 3.70% p.m. | 44.40% p.a. | ||||||||||||||||||
| Late Payment Charges |
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This card is suitable for you if:
You want to earn savings on daily expenses such as groceries and food delivery.
You frequently spend on movies, streaming platforms, and other entertainment services.
You don’t already have a fuel-focused credit card and want to reduce fuel costs.
If you want to close your Kotak Cashback+ Credit Card, it is important to follow the correct procedure provided by Kotak Mahindra Bank to ensure a smooth and hassle-free closure.
Close via Customer Care
You can begin the closure process by contacting Kotak customer support
Follow the instructions shared by the representative to complete your request
Close by Visiting a Branch
You can also visit your nearest Kotak Mahindra Bank branch
Important Points to Remember
After Card Closure
If you need assistance related to your Kotak Cashback+ Credit Card, you can contact the customer support team of Kotak Mahindra Bank. They provide help with billing queries, payments, card blocking, and other credit card services.
Customer Care Numbers
You can reach Kotak credit card support using the following numbers
These helpline numbers can be used for services such as billing queries, card closure requests, and reporting lost or stolen cards.
City-Wise Customer Care Numbers
If you are unable to connect through the primary helplines, you can try city-specific contact numbers
Services Available
Important Points
You can redeem your accumulated reward points through the Kotak Rewards Portal. Simply log in with your customer ID and password, select the points you want to redeem, and the cashback will be applied to your card account.
There is no restriction on the cashback earned on standard, non-accelerated transactions.
Any cashback earned on a cancelled or returned purchase will be reversed from your account.
No, purchases converted into EMIs do not qualify for cashback. If cashback was credited before the EMI conversion, it will be reversed.
For assistance, you can call Kotak Credit Card customer care at 1860 266 2666.
