I’ve been using my Kotak credit card for a while now and I’m really starting to wonder if I could get more out of it when it comes to cashback. I mainly use my card for everyday purchases like groceries, dining out, and online shopping. I’ve heard that some Kotak credit cards offer cashback, but I’m not sure how it works or if there’s a card that would be perfect for me. Can someone let me know if Kotak offers cashback on credit card purchases, and if so, how do the cashback rewards work across different cards?
Some Kotak cards, like the Mojo Platinum and White Reserve, offer cashback on specific spends like online shopping or dining, but it’s not a flat cashback rate for everything.
I personally used the Mojo Platinum for a while. You get 1% cashback on online purchases, and it’s nice and simple—no need to worry about reward points. But if you’re more into getting cashback on a variety of spends, it might not be the best for you.
Bottom line: Kotak does offer cashback, but there are cards with better options out there if you want more general cashback. If you’re okay with category-specific cashback (like dining or online shopping), then it’s definitely worth checking out!