ELIGIBILITY CRITERIA
- Not clearly specified on the official Kotak Cashback+ Credit Card page.
- For detailed T&C, refer to Kotak’s Cashback+ credit card terms PDF.
WELCOME BENEFITS
- No explicit “cashback bonus on joining” mentioned on the main features page.
- Not specified on the official page.
CARD REVIEW
The Kotak Cashback+ Credit Card is a solid pick for individuals who want meaningful cashback on high-frequency expense categories like food delivery, groceries, entertainment, and fuel. The 5% cashback on digital spends and 3% on fuel can add up quickly for regular spenders, while the 1% fuel surcharge waiver adds incremental value. However, the ₹ 750 joining and annual fees mean that to make the card cost-effective, you must use it actively in the accelerated categories. Also, since cashback is accrued as points and expires within a year, you’ll need to redeem them regularly. Overall, it’s a very good option for those who want a dedicated cashback card, especially for online and fuel spending.
