Kotak is rolling out personalised spend-based cashback offers that can stack with your existing milestones. Several users are seeing roughly 5%-style cashback slabs tied to spend targets, and the offer works at CRN level — so spends across your Kotak cards can be combined.
Offer Details
- Example slabs reported: ₹700 back on ₹10K spend, ₹1,700 on ₹35K, ₹3,500 on ₹75K, ₹10K on ₹4L (amounts vary by customer)
- Enrolment window: 30 September to 30 October
- Spend window: within 45 days of enrolment
- Offer is at CRN level — multiple Kotak cards under the same relationship can combine spends toward the target
Eligible Cards / Who Can Avail
- Kotak credit card holders who see the offer live in the Kotak app
- Particularly worth checking if you hold the Kotak Air+ or other Kotak cards heading into the new quarter
Benefits
- Extra cashback layered on top of your regular rewards and milestone bonuses
- Flexibility to combine spends across multiple Kotak cards
- A reasonably long 45-day spend window once you enrol
How to Claim / Steps
- Open the latest version of the Kotak app
- Scroll through the offers section (often toward the bottom) for the spend-based campaign
- Enrol if the offer is visible on your profile
- Track combined spends across your Kotak cards against the slab target
Validity / Important Notes
- These are personalised offers — check your own app rather than assuming a specific slab applies to you
- Enrol between 30 September and 30 October, then complete the required spend within 45 days of enrolling
- Confirm your exact cashback amount and eligible spend categories before planning large purchases around it
Worth a quick app check today if you already hold a Kotak card — enrolment windows like this don’t stay open long. What slab is showing up on your profile?