How can I activate my Kotak Cashback+ Prime Credit Card?

To activate your card. Follow below steps: Log in to new Kotak Mobile Banking App, Click on "Wallet" Icon or click on "Credit Cards", Click on "Card Controls", Click on "Generate Card PIN", Generate your new Card PIN by entering details. You can also activate your card by updating card controls or making a transaction or by giving missed call on 76690 10000

What is the Joining or Annual Fee on my Kotak Cashback+ Prime Credit Card?

Joining and Annual Fees for Kotak Cashback+ Prime Credit Card is ₹750 + GST.

What is the rewards earn rate on Cashback+ Prime Credit Card?

Accelerated Cashback – 5% on online food, grocery, entertainment and auto dealer spends and 3% on fuel spends. Non-accelerated Cashback – Unlimited 0.5% on other eligible spends. Insurance spends up to ₹25,000 in a billing cycle will earn base cashback of 0.5%. For RuPay variant, UPI on CC spends will earn unlimited 0.5% cashback on both accelerated and non-accelerated categories

What is the rewards capping on Cashback+ Prime Credit 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 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 earned reward points only as cashback on Kotak Rewards platform. For more details on redemption process, please refer the "Claim your Cashback" section.

Is there fuel surcharge waiver on Cashback+ Prime Credit Card?

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

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

Is there any charge for add-on cards?

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.

Do I have any lounge access on my card?

No, lounge access facility is not available for this card.

Credit Cards

CashbackMidVisaRuPay

Kotak Cashback+ Prime Credit Card

Cashback without complications for everyday spenders

Annual fee₹750Waived on ₹2.0L spend

Rewards0.50%Cashback

Forex markup3.5%

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Rewards

Base earn rate

Get 0.5% cashback with no cap on all additional eligible spends. Enjoy unlimited 0.5% cashback on UPI spends when using the RuPay credit card variant, except on excluded Merchant Category Codes (MCCs). Insurance spends up to ₹25,000 in a billing cycle will earn base cashback of 0.5%. Earn base cashback on your offline grocery, dining, and entertainment purchases.

Kotak Rewards Platform

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