Cashback
Kotak Cashback+ Prime Credit Card
A Kotak cashback card: 5% on online groceries, food delivery and entertainment, 3% on fuel, 0.5% elsewhere, with a shared ₹750 monthly cap.
Joining fee₹750 + GST
Annual fee₹750 + GST
Fee waiverOn ₹2 lakh spend a year
Top reward5% on groceries, food, entertainment
LoungeNone
Forex markup3.5%
Best for: People who spend ₹10,000 to ₹15,000 a month on groceries, food delivery and fuel.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Online groceries, food delivery, entertainment, auto dealers | 5% cashback | ₹750 a cycle shared with fuel |
| Fuel | 3% cashback | Shared ₹750 |
| Other spends | 0.5% cashback | – |
| Rent, utilities, education, government, wallet loads, gaming, EMI | Nothing | – |
- After the ₹750 cap, the bonus categories earn nothing, not even 0.5%.
- Cashback comes as points worth ₹1 each against your bill.
Benefits
Welcome benefit
- No welcome benefit.
Milestones
- Annual fee waived on ₹2 lakh spend.
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver.
- Forex markup 3.5%.
Other perks
- RuPay version works on UPI
Fees and charges
| Joining fee | ₹750 + GST (₹885) |
|---|---|
| Annual fee | ₹750 + GST, waived on ₹2 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 18+
- Salaried or self-employed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- 5% on everyday apps
- 3% on fuel
- Points worth ₹1
Watch out for
- Shared ₹750 monthly cap
- Low base rate
- No lounges
Recent changes
- 8 May 2026Card launched with an auto-dealer bonus.
Frequently asked questions
What is the cap on Kotak Cashback+ Prime?
₹750 a billing cycle across all the 5% and 3% categories together.
Ready to apply for the Kotak Cashback+ Prime Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.