Kotak Cashback+ Credit Card: fees, rewards & benefits

Rewards, as stated by the issuer

Maximize your monthly savings with up to 5% cashback
Maximise your monthly savings while spending with up to 5% cashback on your Cashback+ Credit Card.
5% cashback on online food deliveries, groceries and entertainment
3% cashback on all fuel spends + 1% fuel surcharge waiver
0.5% unlimited cashback on other eligible spends
Unlimited 0.5% cashback on other eligible spends
For RuPay variant, UPI on CC spends will earn unlimited 0.5% cashback
Cashback earned on accelerated spends will be capped at 750 points per billing cycle
1 reward point is equivalent to ₹1 and will be earned only in multiples of ₹1
Please note : Accrued points can only be redeemed as cashback against statement outstanding. 1 point = ₹1. Minimum 500 points required for redemption.
5% Cashback on online spends across food delivery, groceries, & entertainment
3% Cashback on fuel & 1% fuel surcharge waiver
0.5% Cashback on every other eligible spends
Unlimited 0.5% on other eligible spends. For the RuPay variant, eligible UPI on CC spends will also earn unlimited 0.5% cashback.
You can earn up to 750 reward points/billing cycle on the accelerated categories and unlimited on non-accelerated categories.
Accelerated categories will earn no reward points once the capping of 750 reward points/billing cycle is met.
What is the cashback redemption rate of 1 reward point?
1 reward point = ₹1

on your spends. Now, first year free. #LimitedTimeOffer
Exclusive Offers
5% on online movie tickets and OTT subscriptions
Rent, B2B transaction, Utilities, Insurance, Education and Government, Wallet, Online skill-based gaming, and EMI
Network offers
To explore VISA Rewards offers on your cards, please click here
To explore RuPay Select offers on your card, please click here .
Please note: All network offers are subject to the T&Cs of the merchants and network.
PVR INOX Buy 1, Get 1 Offer
Your movie nights just got more exciting with this limited time offer on PVR INOX movie tickets.
Offer valid till 30 th September 2026
Visit www.pvrcinemas.com / PVR App OR www.inoxmovies.com / INOX App
This offer is available only on the online platforms mentioned above
Select your city, cinema, movie, show date, show time, and seats of your choice
Proceed to the Order Summary page and, under the Offers / Bank Offers section, select " Kotak Cashback+ BOGO Offer "
Enter your card details and click on " Apply " to avail the offer.
Share your consent by checking " I accept the offer Terms & Conditions and PVR booking policy ."
A pop-up message saying “ Congratulations! You have successfully availed your offer ” will appear

None listed.

No airport lounge rule is listed on this card's page.

The cardholder can get up to 3 add-on cards, in addition to one primary Credit Card. Add-on Card holder should be 18 years and above.

3% cashback on all fuel spends + 1% fuel surcharge waiver
1% fuel surcharge waiver will be available on transactions between ₹500 to ₹4000. Maximum waiver is allowed up to ₹3500 in an anniversary year.
3% Cashback on fuel & 1% fuel surcharge waiver
Annual Fee Waiver (on anniversary spends of ₹2 lakhs or above)
The value chart is made with an assumption that customer is spending ₹2,88,000 annually.
Yes, 1% fuel surcharge waiver for transactions between ₹500-₹4000 is available, with a waiver capping of ₹3500 in an anniversary year
Annual retail spends of ₹ 200,000