SBI Cashback Credit Card: Features & Review 2026

Learn everything about the Kotak Cashback Plus Credit Card, including 5% cashback on online groceries, food delivery and entertainment, 3% cashback on fuel, annual fees, eligibility, rewards, pros, cons, and how to apply. Compare benefits before applying. 

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If you're looking for a cashback credit card that rewards everyday spending, the Kotak Cashback Plus Credit Card is one of the newest options in India. It offers accelerated cashback on online grocery, food delivery, entertainment, and fuel purchases, making it suitable for users with frequent digital spending habits.

Kotak Cashback Plus Credit Card Features

• 5% cashback on online grocery, food delivery, movie tickets, and OTT subscriptions.
• 3% cashback on fuel spends across eligible fuel stations.
• 0.5% unlimited cashback on all other eligible retail transactions.
• 1% fuel surcharge waiver on eligible fuel purchases.
• Cashback redemption value of 1 Reward Point = ₹1.
• Add-on cards available at no extra cost.

Kotak Cashback Plus Credit Card Annual Fee

• Joining Fee: ₹750 + GST
• Annual Fee: ₹750 + GST
• Annual fee waived on annual retail spends of ₹2 lakh or more.

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Cashback Structure

Spend Category	Cashback
Online Grocery	5%
Food Delivery	5%
Movie Tickets & OTT	5%
Fuel	3%
Other Eligible Spends	0.5%

The combined accelerated cashback is capped at 750 reward points (₹750) per billing cycle.

Fuel Benefits

Cardholders receive:

• 3% cashback on fuel purchases.
• 1% fuel surcharge waiver on eligible transactions between ₹500 and ₹4,000.

Reward Redemption

Reward points can be redeemed as statement cashback through Kotak's rewards platform.

• 1 Reward Point = ₹1
• Cashback expires if not redeemed within the specified validity period.

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Pros

• Excellent cashback on everyday online spending.
• Fuel cashback without brand restrictions.
• Unlimited base cashback.
• Annual fee waiver available.
• Simple cashback-based rewards.

Cons

• Cashback cap on accelerated categories.
• No cashback on rent, utilities, insurance, education, government payments, wallets, gaming, or EMI transactions.
• Cashback redemption requires using Kotak's rewards platform rather than being automatically credited.

Kotak Cashback Plus Credit Card Eligibility

Applicants generally need:

• Minimum age of 21 years.
• Stable income.
• Good credit score (preferably 750+).
• Compliance with Kotak Mahindra Bank's eligibility requirements.

Who Should Apply?

This card is ideal for:

• Swiggy and Zomato users.
• Blinkit, Instamart, and grocery shoppers.
• OTT subscription users.
• People with regular fuel expenses.
• Individuals seeking a straightforward cashback card.

Expert Verdict

The Kotak Cashback Plus Credit Card is a strong option for consumers whose spending is concentrated in online groceries, food delivery, entertainment, and fuel. While the monthly cashback cap and excluded categories reduce its appeal for high spenders, it can still deliver solid value if your spending matches its bonus categories. Users who primarily want uncapped cashback across a wider range of online merchants may wish to compare it with broader cashback cards before applying.