All Cards
rupaybasiccredit
Kotak Cashback+ Credit Card
Kotak Mahindra Bank
shoppingonline
Annual Fee
₹750
Joining Fee
₹750 + GST
Base Reward
0.5% cashback
Foreign Markup
3.5%
Fee Waiver
Spend-Based Waiver On Spends of ₹2 Lakh Each Year
Interest Rate
3.75% per month
Welcome Benefits
N/A
Product Highlights
- 5% cashback on online food delivery
- 3% cashback on fuel spends
- Unlimited 0.5% cashback on other eligible purchases
Rewards
5% Cashback on Online Food, Grocery, and Entertainment. 3% Cashback for Fuel.
Redemption
1 Reward Point = ₹1
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
grocery | 5%(5% Cashback on Online Food, Grocery, and Entertainment) | No cap |
entertainment | 5%(5% Cashback on Online Food, Grocery, and Entertainment) | No cap |
fuel | 3%(3% Cashback for Fuel) | No cap |
other | 0.5%(Unlimited 0.5% Cashback for Other Categories) | No cap |
Benefits & Features
1% Waiver on Transactions Between ₹500 and ₹4000
Fees & Charges
Annual Fee₹750
Joining Fee₹750 + GST
Fee WaiverSpend-Based Waiver On Spends of ₹2 Lakh Each Year
Foreign Markup3.5%
Interest Rate3.75% per month
Eligibility
Available Networks
rupay
Pros & Cons
Pros
- Entry-level credit card
- 5% accelerated cashback on online food & grocery delivery
- 3% accelerated cashback on fuel spends
Cons
- No renewal or welcome benefits
- Capped cashback on accelerated categories
Additional Info
The card is best suited for those beginning their credit card journey.
Both accelerated categories capped at 500 Reward Points per statement cycle.
Excluded Categories
rentB2B transactionsutility bill paymentsinsurance paymentseducation-related paymentsgovernment-related paymentswallet reloadsonline skill-based gamingtransactions converted to EMI
Partner Merchants
N/A