What is the JF and AF of this card?

JF and AF of the card is ₹750 + GST

How many add-on cards can I have?

The cardholder can get up to 3 add-on cards, in addition to one primary Credit Card. Add-on Card holder should be 18 years and above.

What is the add-on card fee?

Add-on card will be issued free of cost.

What will the limit of the add-on card?

Add-on card will have the same limit as the primary card, but the add-on card limit is subsumed under the primary card limit.

What is the cash withdrawal limit on this card?

Cash withdrawal is not allowed on this card.

How can I activate my card?

To activate your Card: 1. Log in to the Kotak Mobile Banking App 2. Select the "Credit Card" tab 3. Click on "Card Controls"/"Generate PIN" 5. Enter your details & submit. You can also activate your credit card by doing a transaction, updating card controls etc.

What is the rewards earn rate on this card?

Accelerated Cashback: 5% on online groceries and food deliveries, 5% on online movie tickets and OTT subscriptions, 3% on fuel across all fuel stations. Non - Accelerated Cashback: Unlimited 0.5% on other eligible spends. For the RuPay variant, eligible UPI on CC spends will also earn unlimited 0.5% cashback.

What is the rewards capping on this card?

You can earn up to 750 reward points/billing cycle on the accelerated categories and unlimited on non-accelerated categories.

Will the accelerated categories earn base rewards once the capping is met?

Accelerated categories will earn no reward points once the capping of 750 reward points/billing cycle is met.

How can I redeem the earned reward point?

You can redeem the accrued reward points only as cashback on Kotak Unbox platform. For more details on the redemption process, please refer the "Claim your Cashback" section.

Is there fuel surcharge waiver on this card?

Yes, 1% fuel surcharge waiver for transactions between ₹500-₹4000 is available, with a waiver capping of ₹3500 in an anniversary year

Credit Cards

CashbackMidVisaRuPay

Kotak Cashback+ Credit Card

Flat cashback rewards without category restrictions

Annual fee₹750Waived on ₹2.0L spend

Rewards0.50%Cashback

Forex markup3.5%

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Rewards

Base earn rate

Unlimited 0.5% cashback on other eligible spends. For the RuPay variant, eligible UPI on CC spends will also earn unlimited 0.5% cashback.

Excludes: Rent, B2B Transaction, Utilities, Insurance, Education And Government, Wallet, Online Skill-Based Gaming, EMI

Category	Rate	Cap
Online Groceries	5%	—
Online Food Delivery	5%	—
Online Movie Tickets	5%	—
OTT Subscriptions	5%	—
Fuel	3%	—

Redemption value

Statement Cashback: —

• Unclaimed cashback will expire in 1 year
• Minimum redemption: 500 points

Fees & charges

Joining fee: ₹ 750
Annual / renewal fee: ₹ 750
Annual fee waiver: Annual retail spends of ₹ 200,000
Add-on card fee: Add-on card will be issued free of cost.
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 48 days
Cash advance fee: Cash withdrawal is not allowed on this card.
Overlimit fee: 0%, min ₹500
Payment dishonour: ₹500
Forex markup: 3.50%
DCC markup: 3.50%
Fuel surcharge: 1% waiver, on ₹500–₹4000 txns, max ₹400/cycle

View official MITC →

Eligibility

Age: 18+ years

Features

✓ UPI linkage

Additional features

Big Savings on Essentials - 5% cashback on online food deliveries, groceries and entertainment. Fuel Up & Save - 3% cashback on all fuel spends + 1% fuel surcharge waiver. Everyday Cashback - 0.5% unlimited cashback on other eligible spends. Earn accelerated cashback - 5% on online groceries & food deliveries, 5% on online movie tickets and OTT subscriptions, 3% on fuel spends across fuel stations. Earn base cashback - Unlimited 0.5% cashback on other eligible spends. For RuPay variant, UPI on CC spends will earn unlimited 0.5% cashback. UPI on CC spends will earn base cashback on all spends, except excluded Merchant Category Codes (MCCs). Offline grocery, dining, and entertainment purchases will earn base cashback. Fuel surcharge waiver - 1% fuel surcharge waiver will be available on transactions between ₹500 to ₹4000. Maximum waiver is allowed up to ₹3500 in an anniversary year.

No rewards on

Rent · B2B Transaction · Utilities · Insurance · Education And Government · Wallet · Online Skill-Based Gaming · EMI

Card management via Kotak Mobile Banking App.