The Kotak Cashback Plus Credit Card targets the spends most households repeat every week: 5% cashback on online grocery, food delivery and entertainment, and an unusual 3% cashback on fuel at every petrol pump. Everything else earns an unlimited 0.5%. The joining fee is currently zero.
How the cashback works
| Where you spend | Cashback |
|---|---|
| Online grocery platforms | 5% |
| Food delivery platforms | 5% |
| Entertainment platforms | 5% |
| Fuel at all petrol pumps | 3% + 1% surcharge waiver |
| All other eligible transactions | 0.5%, unlimited |
Good to know: most cashback cards exclude fuel entirely. Here it earns 3% on top of the 1% surcharge waiver (₹500–₹4,000 transactions, capped at ₹3,500 a year).
What you would actually earn
Say you spend ₹6,000 a month on online groceries and food delivery, ₹1,000 on entertainment, ₹4,000 on fuel and ₹10,000 on everything else. That is ₹350 + ₹120 + ₹50 = ₹520 a month, plus about ₹40 from the fuel surcharge waiver, or roughly ₹6,700 a year. At ₹2.5 lakh a year you would also clear the ₹2 lakh fee waiver.
The 0.5% base rate is low, so move as much spending as you can into the 5% and 3% categories and use a different card for large miscellaneous purchases.
Limited-time offers
- Welcome voucher: spend ₹1,000 within 30 days of issuance for a ₹500 Flipkart voucher, valid till 31 October 2026. The claim code arrives within 60 days.
- Zepto: 10% instant discount up to ₹125 on orders of ₹999+, once per card per month, from 1 October to 9 November 2026.
Kotak Cashback Plus and Kotak League Platinum suit different people: Cashback Plus pays straight cashback on food, groceries and fuel, while League Platinum is lifetime free and rewards higher overall spending with points and PVR tickets.
Fees and charges
| Joining fee | Free (limited-time offer) |
|---|---|
| Annual fee | ₹750 + GST |
| Annual fee waiver | Spend ₹2,00,000 or more in the previous year |
| Fuel surcharge | 1% waiver on ₹500–₹4,000, up to ₹3,500 a year |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹25,000 a month or more |
| Income (self-employed) | ITR above ₹3 lakh a year |
| Credit score | 700 or above |
| First credit card? | Not allowed |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
How to apply
- Tap Apply on Kotak Mahindra Bank site on this page to open the official application form.
- Fill in the form in one go, using the mobile number linked to your Aadhaar.
- Complete video KYC when prompted, from your current address.
- Once the card arrives, make a first transaction (₹100 or more) within 30 days to activate it.
Who should get it, and who shouldn’t
Get it if you order groceries and food online every week and drive regularly. Few cards reward that combination as well.
Skip it if most of your spending is offline shopping or large one-off purchases, where 0.5% is well below what other cashback cards pay.
