Kotak Cashback+ Credit Card

Cash advancesAbout cash advances

UndisclosedAbout this cash advances

PurchasesAbout purchases

45.00% p.a.About this purchases

Additional cardholder feeAbout additional cardholder fee

₹0

Annual feeAbout annual fee

₹750 p.a.About this annual fee

Cash advance feeAbout cash advance fee

—

Foreign transaction feeAbout foreign transaction fee

3.5%

Late payment feeAbout late payment fee

₹1,300

Over limit feeAbout over limit fee

₹500

Interest-free periodAbout interest-free period

Up to 51 days on purchasesAbout this interest-free period

Minimum repaymentAbout minimum repayment

1% of all purchase transactions and cash advances plus 100% of EMI, finance charges, fees and charges and tax, subject to a minimum of ₹100, else the total amount due if lower (Kotak key fact statement)

Ongoing cashbackAbout ongoing cashback

0.5% on eligible spend

5% on online groceries and food deliveries and on online movie tickets and OTT subscriptions, 3% on fuel, unlimited 0.5% on other eligible spends (RuPay variant: also on UPI spends); the accelerated rates are capped at 750 points per billing cycle (1 point = ₹1); no cashback on rent, B2B, utilities, insurance, education and government, wallet, online skill-based gaming and EMI.