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Key Features & Benefits
- ✦5% cashback on online food delivery (Zomato, Swiggy), grocery & entertainment
- ✦3% cashback on fuel purchases at any petrol pump
- ✦0.5% unlimited cashback on all other eligible spends
- ✦Annual fee waiver on ₹2L spend
- ✦Cashback credited as statement credit
- ✦1% fuel surcharge waiver
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Welcome & Joining Benefits
- ✦Check bank's official website for current benefits
Milestone Benefits
- ✦₹2L annual spend → fee waived
Pros & Cons
✓ Advantages
- ✓5% covers the three biggest daily digital spends
- ✓3% on fuel — covers second-largest household expense
- ✓0.5% on everything — no wasted spend
- ✓Simple and transparent
✗ Disadvantages
- ✗No lounge
- ✗3.5% forex
- ✗Cashback capped — check monthly limits
Frequently Asked Questions
Which food delivery apps qualify for 5%?
Kotak Cashback+ gives 5% on online food delivery platforms including Swiggy and Zomato. Grocery platforms like BigBasket and Blinkit may also qualify. Verify current eligible merchant categories on Kotak's T&C.
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