Kotak Mahindra Bank · Mid
Kotak Cashback+ Prime Credit Card
Where it ranks across all 187 cards
#9 Groceries
5.0%
direct
#9 Movies & events
5.0%
direct
#10 Food delivery
5.0%
direct
#6 Fuel
3.0%
direct
#59 Insurance
0.5%
direct
#85 Jewellery & watches
0.5%
direct
#100 Mobile / broadband
0.5%
direct
#109 Train tickets
0.5%
direct
#115 Cabs & transit
0.5%
direct
#121 Health & pharmacy
0.5%
direct
#124 Other
0.5%
direct
#125 Electronics
0.5%
direct
#127 Flights
0.5%
direct
#127 Hotels
0.5%
direct
#132 Online shopping
0.5%
direct
#132 Fashion
0.5%
direct
#135 Dining out
0.5%
direct
Get an email if this card changes - sign in.
Reward rules3 direct
Base rate - everything not covered below
0.50%base rate
0.5% cashback
source
Source: Kotak Cashback+ Prime 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 page: "A maximum of 750 points per billing cycle can be earned on accelerated spends" - cap is shared across all accelerated categories.
Source: Kotak Cashback+ Prime 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 Rs500-Rs4000 transactions, capped at Rs3500 per anniversary year.
Source: Kotak Cashback+ Prime 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, Education, Government / tax, Wallet load, Gaming, EMI
earns nothing
Cashback not eligible on following spend categories: Rent, B2B transaction, Utilities, Education and Government, Wallet, Online skill-based gaming, and EMI.
→ use Axis Burgundy Private here (4.2%)
detail & source
(Insurance is NOT in this list for the Prime variant - see notes/gaps: insurance earns base 0.5% cashback up to Rs25,000/cycle per the bank's own page.)
categories: Rent, Utility bills, Education, Government / tax, Wallet load, Gaming, EMI
Source: Kotak Cashback+ Prime Credit Card page - kotak.bank.in - read 25 Sep 2026
Bank terms we cannot price for you yet - they depend on something we do not know. Rankings leave them out.