Kotak Mahindra Bank · Entry
Kotak Cashback+ Credit Card
Where it ranks across all 187 cards
#8 Groceries
5.0%
direct
#8 Movies & events
5.0%
direct
#9 Food delivery
5.0%
direct
#5 Fuel
3.0%
direct
#84 Jewellery & watches
0.5%
direct
#99 Mobile / broadband
0.5%
direct
#108 Train tickets
0.5%
direct
#114 Cabs & transit
0.5%
direct
#120 Health & pharmacy
0.5%
direct
#123 Other
0.5%
direct
#124 Electronics
0.5%
direct
#126 Flights
0.5%
direct
#126 Hotels
0.5%
direct
#131 Online shopping
0.5%
direct
#131 Fashion
0.5%
direct
#134 Dining out
0.5%
direct
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Reward rules3 direct
Base rate - everything not covered below
0.50%base rate
0.5% cashback
source
Source: Kotak Cashback+ Credit Card page - kotak.bank.in - read 25 Sep 2026
5% cashback on online food delivery, groceries and entertainment
5.00%this rule
5% cashback
how it works & source
Bank FAQ: "You can earn up to 750 reward points/billing cycle on the accelerated categories" - cap is shared across all accelerated categories, not per category.
Source: Kotak Cashback+ Credit Card page - kotak.bank.in - read 25 Sep 2026
3% cashback on fuel spends
3.00%this rule
3% cashback
how it works & source
Separately, 1% fuel surcharge waiver on transactions of Rs500-Rs4000, capped at Rs3500 per anniversary year.
Source: Kotak Cashback+ Credit Card page - kotak.bank.in - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Rent, Utility bills, Insurance, Education, Government / tax, Wallet load, Gaming, EMI
earns nothing
Cashback not applicable on Rent, B2B transaction, Utilities, Insurance, Education and Government, Wallet, Online skill-based gaming, and EMI.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent, Utility bills, Insurance, Education, Government / tax, Wallet load, Gaming, EMI
Source: Kotak Cashback+ Credit Card page - kotak.bank.in - read 25 Sep 2026