Credit Cards · Honest Review

Kotak Cashback Plus Credit Card

Kotak Mahindra Bank · Visa

FREEAnnual fee
1.00%Base rate
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Your Verdict

Kotak Cashback Plus Credit Card
Kotak Mahindra Bank · Visa
    Lifetime freeAnnual fee
    ₹0
    Annual fee
    1.00%
    Base reward rate
    None
    Lounge access
    Good
    CIBIL score
    Fees & charges

    What Kotak Cashback Plus Credit Card costs you

    Kotak Cashback Plus Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.

    FeeAmount
    Annual fee (year 2+)Free — ₹0
    Joining fee (one-time)Free — ₹0
    Foreign transaction fee (forex markup)Not disclosed / standard rates apply
    Rewards & cashback

    What you earn on every rupee spent

    Kotak Cashback Plus Credit Card earns 1.00% on all eligible spends as a base reward rate. There are no additional category-specific multipliers.

    CategoryReward rate
    All other spends (base rate)1.00%

    Reward types: Points

    Benefits & perks

    Beyond the reward rate

    The non-reward benefits on Kotak Cashback Plus Credit Card are limited — the card's value proposition is primarily the reward rate structure.

    🛫
    No lounge access
    This card does not include airport lounge access.
    ⛽
    No fuel surcharge waiver
    Standard 1% surcharge applies at fuel pumps.
    Eligibility

    Who can apply for Kotak Cashback Plus Credit Card

    Kotak Cashback Plus Credit Card does not have a published minimum income requirement. It is open to salaried and self-employed applicants.

    RequirementDetail
    Minimum monthly incomeNot specified
    CIBIL scoreNot specified — clean history expected
    Age range21–60 years
    Employment typeSalaried & self-employed
    Typical approval time7–10 working days
    Verdict

    Who should (and shouldn't) get Kotak Cashback Plus Credit Card

    ✅ Best for
    • → First-time cardholders who want zero-cost entry
    ⚠️ Not ideal for
    • → Users with concentrated spending in a single category who want a specialised card
    • → Frequent flyers who need airport lounge access
    Frequently asked questions

    Kotak Cashback Plus Credit Card — Questions answered

    Is Kotak Cashback Plus Credit Card free for life?
    Yes — Kotak Cashback Plus Credit Card has zero annual fee and zero joining fee, making it a lifetime-free card. You will never be charged a renewal fee regardless of how much or how little you spend.
    What is the minimum income required for Kotak Cashback Plus Credit Card?
    There is no officially stated minimum income requirement for Kotak Cashback Plus Credit Card. A clean credit history and a satisfactory CIBIL score are the primary eligibility criteria.
    What reward rate does Kotak Cashback Plus Credit Card offer?
    Kotak Cashback Plus Credit Card earns a flat 1.00% reward rate on all eligible spends. There are no accelerated category bonuses, making it a consistent everyday earner.
    Does Kotak Cashback Plus Credit Card provide airport lounge access?
    Kotak Cashback Plus Credit Card does not include airport lounge access as a standard benefit. If lounge access is a priority, consider upgrading to a premium variant or a dedicated travel card.
    How long does it take to get Kotak Cashback Plus Credit Card approved?
    Most applications for Kotak Cashback Plus Credit Card are processed within 7–10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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    Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.