Kotak Cashback Plus Credit Card
Maximize your monthly savings with up to 5% cashback
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.50% travel · 0.50% dining · 0.50% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs FIRST WOW! Black Credit Card
At ₹50,000/month with 15% travel and 10% dining.
Tools for Kotak Cashback Plus Credit Card holders
Frequently asked
Is the Kotak Cashback Plus Credit Card worth the ₹750 fee?
It depends on your spend. The Kotak Cashback Plus Credit Card earns 0.5% base reward and waives the annual fee at ₹2,00,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for Kotak Cashback Plus Credit Card?
Kotak hasn't published a hard minimum income for Kotak Cashback Plus Credit Card. Approval depends on credit score, existing relationship, and employment type.
Reward rates and fees are sourced from Kotak's product page and may change. Always confirm with the card issuer before applying.