Kotak 10% Cashback on Online Purchases — Up to ₹1,500

As Diwali approaches, Kotak Mahindra Bank has quietly rolled out a pre-Diwali cashback offer for select cardholders. I received the email because I hold the Kotak White Card, so this appears to be a targeted promotion. Below is a concise summary of what the offer includes and how it works.

Offer Details

Additional T&C:

• When multiple online transactions qualify, the highest eligible online transaction amount may be considered.
• Transactions with merchants related to gaming, betting and gambling are excluded.
• Only eligible cardholders who meet the net online spend threshold, excluding cancellations and refunds, will qualify for the cashback.

How to Register

Registration was simple: I clicked the link in the email, which confirmed my enrollment and provided access to the full terms and conditions. The process appears straightforward and quick for those who receive the invite.

This is an uncomplicated way to get 10% back on qualifying online purchases, with the usual caveats. The offer’s structure is simple, though the exclusions and single-card restriction are worth noting before you plan eligible spends.

From what I’ve observed, the promotion seems targeted to a limited set of customers — likely those with lower recent usage of their Kotak credit cards — rather than a blanket offer to all cardholders.

Final Thoughts

It’s encouraging to see Kotak Mahindra Bank issuing spend-linked credit card promotions like this. Such targeted offers can be valuable for customers able to meet the minimum spend within the window. I hadn’t noticed many similar campaigns from Kotak in the recent past, so this one stands out.

Given the short offer window that ends ahead of Diwali, there’s a reasonable chance the bank may follow up with a broader Diwali promotion — hopefully one available to more cardholders.

Did you receive this or any other Kotak Bank credit card offer? Share your experience in the comments below.