Use for online grocery, food delivery and entertainment until the accelerated-category cap is reached
MCC classification decides whether 5% or 3% cashback applies
Latest change: Updated high-impression GSC page with Kotak official product page, value chart, KFS and Cashback+ terms
For Straightforward cashback on everyday spends. 5% on online spend. ₹750 fee, waiver at ₹2,00,000 / year. Skip it for lounge access.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Straightforward cashback on everyday spends
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Students and early-career users wanting a no-fee starter card
Fashion and e-commerce heavy users
Users who can consistently monetize monthly merchant offers
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹750
Annual fee waived on ₹2,00,000 retail spends per annum.
Online spend
Adjust your estimated monthly spend to see the personalized annual value after fees.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
No complimentary lounge visits are currently listed.
Card-level policy notes: • 5% and 3% accelerated categories are MCC-based and capped at 750 reward points per billing cycle across accelerated spends. • Post-cap reward rate on accelerated categories becomes 0% for the billing cycle. Verify latest spend criteria and guest access with issuer before travel.
Derived from card policy signals
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.
This card does not have publishable enrichment records in the current high-confidence snapshot.
This is the validation layer. Use it after the card already feels like a possible yes.