Kotak Cashback+ Credit Card
CardIQ
Fair
Overall score, out of 100 · How this works
- Cashback65
- Rewards23
Customer reviews
No reviews yet. Be the first to review the Kotak Cashback+ Credit Card.
Pros & cons
What's good
- Earns cashback on eligible spending.
- Up to 51 interest-free days on purchases, longer than most cards.
- No fee to add an additional cardholder.
Worth noting
- Plus GST. Same joining and annual fee; annual fee waived if you spend ₹2,00,000 a year. Kotak is currently offering the first year free.
- 3.5% foreign transaction fee on overseas spending, at the high end of the market.
- Earns no rewards points on spending.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- ₹0 p.a.
- Card tier
- Not published
- Card type
- Not published
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- None
Eligibility
- Instant approval
- Not published
- Joint application
- Not published
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Not published
- Temporary residents
- Not published
Rates & fees
Ongoing interest rates
- Cash advances
- Undisclosed
- Purchases
- 45.00% p.a.
Fees
- Additional cardholder fee
- ₹0
- Annual fee
- ₹750 p.a.
- Cash advance fee
- —
- Foreign transaction fee
- 3.5%
- Late payment fee
- ₹1,300
- Over limit fee
- ₹500
Repayments
- Interest-free period
- Up to 51 days on purchases
- Minimum repayment
- 1% of all purchase transactions and cash advances plus 100% of EMI, finance charges, fees and charges and tax, subject to a minimum of ₹100, else the total amount due if lower (Kotak key fact statement)
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Cashback
- Ongoing cashback
- 0.5% on eligible spend
5% on online groceries and food deliveries and on online movie tickets and OTT subscriptions, 3% on fuel, unlimited 0.5% on other eligible spends (RuPay variant: also on UPI spends); the accelerated rates are capped at 750 points per billing cycle (1 point = ₹1); no cashback on rent, B2B, utilities, insurance, education and government, wallet, online skill-based gaming and EMI.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Browse by card type
Compare the Kotak Cashback+ Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuer
- Kotak Mahindra Bank