Cards / Kotak Mahindra

Kotak MahindraKotak Cashback+ Prime Credit CardVisa / RuPay

Kotak Cashback+ Prime Credit Card Credit Card

Kotak Mahindra Bank · Cashback

Reviewed by Chandan Kumar Dash

5% cashback on online food delivery, groceries and entertainment; 5% on auto dealer spends.

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Joining fee

₹750

Annual fee

₹750

Waiver spend

₹2,00,000

Forex markup

3.5%

Fee waiver

Spend ₹2,00,000 in a card year and the next annual fee is waived. Spends on education, rent, utilities, wallet loads do not count.

That is about ₹16,667 a month.

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Offers on this card now

• Shopping
  Tata CLiQ

  12.5% instant discount on Tata CLiQ Fashion and Luxury

  Fashion: minimum ₹3,000, maximum discount ₹1,000, code TCFKOTAK. Luxury: minimum ₹7,500, maximum discount ₹2,500, code TCLKOTAK. Valid on select Kotak credit cards.

  Ends 30 NovBank's terms

See every bank on the card offers page. Checked 18 Oct from the bank's own pages; read the bank's terms before you pay.

How the app counts rewards

• 5% on online food delivery, groceries and entertainment
• 3% on fuel
• 0.5% on insurance, up to Rs 25,000 spend a cycle
• 0.5% on other spends

No rewards on education, rent, utilities, wallet loads.

Points

Reward Points (cashback), worth about ₹1 each on the usual redemption. Expire after 1 years.

Work out what your points are worth

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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