Kotak Cashback Plus
Kotak Mahindra Bank · Visa
Kotak Cashback Plus delivers flat cashback on online shopping with a tiered structure — the more you spend, the more you earn back.
Annual Fee
₹499
Waived at ₹1.0L spend
Joining Fee
₹499
Base Reward Rate
3X
₹1/pt
Min CIBIL
690
₹3L+ income
Key Features
Welcome Benefits
₹500 Cashback on First Spend
Earn ₹500 cashback on first transaction of ₹2,000+ within 60 days of card activation
Zero Annual Fee First Year
No annual fee in the first year of membership
Reward Rates by Category
Dining
3X
Travel
2X
Online
5X
Shopping
3X
Grocery
3X
Fuel
2X
Utilities
1X
Other
2X
Partner Earn Rates
| Partner | Category | Earn Rate |
|---|---|---|
| Online Grocery (BigBasket, Grofers) | Grocery | 5X |
| Food Delivery (Swiggy, Zomato) | Food Delivery | 5X |
| Other Online Merchants | Online Shopping | 2X |
Milestone Benefits
Annual Fee Waiver
Spend ₹1 lakh in a year to waive the annual fee for the following membership year
Annual
Airport Lounge Access
Domestic
0 visits/year
International
0 visits/year
Insurance & Protection
Personal Accident Cover
Accidental death cover
Zero Liability
Report promptly
Pros
- Tiered cashback on online spends
- Annual fee waived on spend
- Simple monthly cashback
- No merchant restrictions
- Fuel surcharge waiver
Cons
- No lounge access
- Monthly cashback cap
- Cashback best for online spending only
Frequently Asked Questions
What cashback on grocery and food delivery?+
Other online spends?+
Is cashback automatic?+
Annual fee?+
Monthly cashback cap?+
Ready to apply?
Apply on the Kotak Mahindra Bank website. Usually takes 10 minutes.
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Kotak Cashback Plus
₹499/yr · 3X rewards
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