Kotak Cashback+ Credit Card

Kotak Mahindra Bank · ₹750 a year · fee waived on ₹2,00,000 of annual spend

Good for food delivery, online groceries and fuel, within a ₹750 monthly cap.

Base rate: 0.5% cashback.

What the bank says

• 5% cashback on online food delivery, groceries, movies and OTT
• 3% cashback on fuel, plus the 1% surcharge waiver
• Accelerated cashback up to ₹750 a month
• 0.5% on other spends, including UPI on the RuPay variant
• Annual fee waived on ₹2 lakh of spend

Where it pays more

• 5% on online food delivery, within a ₹750 monthly cap shared with groceries and fuel
• 5% on online grocery orders, within the shared ₹750 monthly cap
• 3% on fuel at any station, within the shared ₹750 monthly cap

Things that catch people out

• We assume half of your grocery spending is online. In-store groceries earn 0.5%.
• No cashback on rent, utilities, insurance, education, government payments, wallets, gaming or EMI.

Joining fee: ₹750. Foreign currency markup: not published.

Read from Kotak Mahindra Bank’s own page on 2026-09-16.

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