Kotak Cashback Plus
by Kotak Mahindra Bank · Data verified 4 days ago
Cashback card with 5% on groceries, food, OTT and 3% on fuel.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 5% cashback on groceries, food delivery, OTT
- 3% cashback on fuel
- Unlimited 0.5% on all other spends
- 1% fuel surcharge waiver
- Easy Rs.1L fee waiver
Things to Consider
- Cashback capped at 750 per billing cycle
- No lounge access
- Standard 3.5% forex markup
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Grocery BONUS | 5% | 5% on online groceries, food delivery, OTT (cap 750/cycle) |
| Fuel BONUS | 3% | 3% cashback on fuel |
| Other | 0.5% | Unlimited 0.5% on all other spends |
Fuel Savings
₹3,500/mo
Lost Card Cover
₹0
Add-On Card
Free
Dining
- •5% cashback on online food delivery (Zomato, Swiggy, etc.) capped within ₹750/month accelerated pool
Shopping
- •5% cashback on online grocery shopping, OTT subscriptions, movie tickets & auto-dealers
- •Unlimited 0.5% base cashback on all other eligible retail transactions
Travel
- •1% fuel surcharge waiver
- •International usage enabled
Reward Exclusions
- ✕ Rent
- ✕ B2B Transactions
- ✕ Utilities
- ✕ Insurance
- ✕ Education
- ✕ Government
- ✕ Wallet Loading
- ✕ Online Gaming
- ✕ EMI
Special Offers & Features
- •1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (annual cap of ₹3,500)
- •Unlimited 0.5% cashback on UPI transactions via RuPay variant
- •Direct 1:1 cashback redemption where 1 Reward Point = ₹1 via Kotak digital rewards portal
EMI Options
- •EMI conversion on purchases above Rs.3,000
- •Tenure: 3, 6, 9, 12, 18, 24 months
- •Interest rate: 12-24% p.a.
Card Features
CardSahayak Score
"Apply Now" takes you to Kotak Mahindra Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on Kotak Cashback Plus
Bloom Hotels
Experience vibrant, contemporary stays with Bloom Hotels across India. Kotak Credit Cardholders enjoy flat 25% instant discount up to ₹2,500 on room reservations.
Step 2: Choose your destination city and stay dates with minimum booking ₹3,000.
Step 3: Enter promo code KOTAKBLOOM at payment screen.
Step 4: Pay with Kotak Mahindra Bank Credit Card to get flat 25% instant discount.
Valid on direct bookings at stayatbloom.com only. Minimum booking value of ₹3,000 required. Maximum instant discount is ₹2,500 per booking. Subject to room availability at participating Bloom Hotel properties across India.
MakeMyTrip
Fly for less across India with Kotak Mahindra Bank and MakeMyTrip. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flight bookings of ₹5,000 and above.Book IndiGo, Air India, Akasa Air, and SpiceJet flights with code KOTAKMMT for immediate upfront savings.
Step 2: Search for domestic flights across any Indian carrier with minimum booking amount ₹5,000.
Step 3: In the coupon code input box on the payment page, enter KOTAKMMT.
Step 4: Pay using any Kotak Mahindra Bank Credit Card to deduct up to ₹1,500 instantly.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required excluding taxes. Maximum discount is capped at ₹1,500 per booking. Valid once per cardholder per calendar month. Not applicable on corporate or commercial cards.
Croma
Upgrade your digital life with electronics at Croma. Kotak credit cardholders receive up to ₹4,000 instant discount on premium tech, home appliances, and audio gear.
Step 2: Add eligible consumer electronics, televisions, or laptops worth ₹20,000+.
Step 3: Choose Kotak Bank Credit Card offer at payment checkout.
Step 4: Complete transaction to enjoy an instant discount up to ₹4,000.
Valid on Kotak Debit Card EMI and Kotak Credit Card EMI transactions. Maximum instant discount Rs. 2,500.
Zomato
Savor gourmet cuisines and weekend dining with Zomato and Kotak Bank. Get flat 15% instant discount up to ₹150 on minimum food orders of ₹599.
Step 2: Add dishes totaling ₹599 or more to your cart.
Step 3: Apply coupon code KOTAKDINING at the order review screen.
Step 4: Pay with any Kotak Mahindra Bank Credit Card to get 15% off up to ₹150 instantly.
Valid on food delivery orders placed via Zomato mobile app. Minimum cart value of ₹599 is required. Maximum discount is capped at ₹150. Valid once per customer per week.
BookMyShow
Catch the newest blockbusters with Buy 1 Get 1 Free movie tickets up to ₹250 on BookMyShow using Kotak credit cards.
Step 2: In the payment section, select Kotak Credit Card offer under 'Unlock Offer or Apply Promocodes'.
Step 3: Settle the balance with your Kotak Credit Card.
Valid on minimum booking of 2 tickets. Free ticket discount capped up to ₹250. Available on select Kotak credit cards (Privy, League, Zen).
Swiggy
Order your favorite meals on Swiggy and get flat 15% instant savings up to ₹100 using Kotak credit cards with coupon KOTAK100.
Step 2: Apply coupon code KOTAK100 on checkout.
Step 3: Pay using any Kotak Mahindra Bank Credit Card.
Valid on minimum spend of ₹499. Maximum discount ₹100. Valid once per card per month on food orders.
EaseMyTrip
Enjoy up to ₹8,000 off on EaseMyTrip travel bookings with Kotak Bank Credit Card EMI using promo code KOTAKEMI (Domestic Flights: Flat 10% instant discount up to ₹1,800 on MOV ₹5,000).
Step 2: Enter promo code KOTAKEMI on payment page.
Step 3: Complete payment using Kotak Mahindra Bank Credit Card EMI.
Valid on Kotak Bank Credit Cards EMI transactions on EaseMyTrip using code KOTAKEMI: Domestic Flights Flat 10% up to ₹1,800 (MOV ₹5,000), International Flights Flat 10% up to ₹5,000 (MOV ₹15,000), Domestic Hotels 15% up to ₹4,000, International Hotels 15% up to ₹8,000.
Frequently Asked Questions
Everything you need to know about Kotak Cashback Plus
- • Min age: 21 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹25,000/month min
- • CIBIL: 700+ recommended
- • Instant: Pre-approved Kotak Mahindra Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for Kotak Cashback Plus today and unlock amazing rewards and premium experiences.
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