Credit Card Compare

Kotak Cashback+ Prime Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹750
Annual fee
51 days
Interest-free

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Application

CardIQ

59Good

Good

Overall score, out of 100 · How this works

  • Cashback97
  • Rewards22

Customer reviews

No reviews yet. Be the first to review the Kotak Cashback+ Prime 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

  • Joining fee and annual fee are each ₹750 + GST. Annual fee waived from second year on retail spends of ₹2,00,000 in an anniversary year (Rent, Wallet, Utility, Education & Transportation categories excluded from spend calculation). GST and applicable taxes will be charged annually on interest, fees, and other charges.
  • 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
Not published
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
Minimum Amount Due is calculated as 1% of all purchase transactions & cash advances & 100% of EMI, Finance Charges, Fees/Charges & Tax as applicable, subject to a minimum of ₹100 else up to the TAD amount whichever is lower.

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Cashback

Cashback cap
₹750 per month
Ongoing cashback
5% on eligible spend

5% on online grocery, food delivery, entertainment and auto dealer merchant spends (capped at 750 reward points per billing cycle on accelerated spends); 3% on fuel; 0.5% unlimited on other eligible spends. 1 reward point = ₹1.

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.

Interest-free days51 daysTied for best (1st of 73 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Annual fee₹750 a yearMiddle of the market (49th of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Kotak Mahindra Bank