Kotak Cashback Plus Credit Card 2025
5% Unlimited on Swiggy/Zomato
3% Unlimited on Amazon/Flipkart
4 Domestic Lounge Visits
₹999 + GST Fee (LTF Offer)
Get over ₹22,000+ value with 5% food + 3% shopping + 4 lounges!
Best online + food delivery card! Kotak Cashback Plus gives 5% unlimited cashback on Swiggy & Zomato, 3% on Amazon & Flipkart, 4 lounge visits, and often comes as LTF.
Perfect for foodies & online shoppers!
Why Choose Kotak Cashback Plus in 2025?
5% Swiggy/Zomato • 3% Amazon/Flipkart • 4 lounges • Often LTF • Direct cashback
Best for: Online shoppers, food delivery, millennials
Card At a Glance
Joining Fee
₹999 + GST
₹999 + GST
Annual Fee
₹999 + GST (Often LTF)
₹999 + GST (Often LTF)
Swiggy/Zomato
5% Unlimited
5% Unlimited
Amazon/Flipkart
3% Unlimited
3% Unlimited
Lounge Access
4 Domestic/Year
4 Domestic/Year
Other Spends
1.5%
1.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹999 + GST |
| Annual Fee | ₹999 + GST (often waived/LTF) |
| Swiggy/Zomato | 5% unlimited cashback |
| Amazon/Flipkart | 3% unlimited cashback |
| Other Online | 1.5% cashback |
| Offline Spends | 1% cashback |
Detailed Reward Rates (2025)
- 5% unlimited cashback on Swiggy & Zomato
- 3% unlimited cashback on Amazon & Flipkart
- 1.5% cashback on all other online spends
- 1% cashback on offline spends
- Cashback credited as statement credit monthly
Airport Lounge Access
- 4 complimentary domestic lounge visits per year
- 1 visit per quarter
- Dreamfolks network
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- Zero lost card liability
- Purchase protection up to ₹50,000
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% on Swiggy/Zomato | ₹999 fee (though often LTF) |
| 3% on Amazon/Flipkart | No international lounge |
| 4 lounge visits | 3.5% forex markup |
| Direct cashback (no points) |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹6 Lakh
- Credit Score: 720+ preferred
- Documents: PAN, Aadhaar, Salary Slip / ITR
How to Apply Online (3-Minute Process)
- Visit Kotak website
- Select Cashback Plus → Apply
- Fill details & Video KYC
- Instant approval possible
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Best cashback card for online + food! 5% Swiggy/Zomato + 3% Amazon/Flipkart + 4 lounges = ₹22K+ value/year. Must-have if you order food or shop online regularly!
Frequently Asked Questions (FAQs)
5% Swiggy pe unlimited?
Yes! No cap on food delivery.
LTF offer kab milta hai?
Frequently available – check current offers.
Cashback statement credit?
Yes! Direct deduction from bill.