How to Make the Most of Kotak’s ₹700 Cashback Offer on ₹10,000 Spends

Kotak Mahindra Bank’s latest offer makes it a good time to use your credit card: spend ₹10,000 and earn ₹700 cashback, if you meet certain conditions. Here’s a breakdown of how to take full advantage, and things to watch out for so you don’t miss out. 🔍 How the Offer Works Enroll First You must enroll via the official communication (SMS, email, or other) from Kotak during the offer period. The date you enroll kicks off the 30-day window in which you must hit the spending target. Spend the Required Amount After enrollment, make net eligible purchases totalling ₹10,000 or more within 30 days. Net spend means your total spend minus any refunds or cancelled transactions. Understand Exclusions Not all spend types count. Some of the excluded categories are EMIs, loan repayments, wallet loads, utility & telecommunications, insurance, and government services. So plan your purchases accordingly. Get the Cashback Once you hit the milestone, you’ll receive ₹700 in cashback. The bank usually credits this within about 60 days after the offer period ends. Kotak Images ⚠️ What to Watch Out For Enrollment is mandatory — If you skip this, you won’t qualify. Time limitation — You have only 30 days post-enrollment to meet the spending goal. Delays or waiting might sink the chance. Excluded spends can eat into your eligibility if you believe all purchases count — they don’t. Refunds or cancellations will reduce your net spend, so track carefully. Only once per card/CRN — You can claim this cash back offer only once during the campaign. Kotak Images 💡 Pro Tips to Maximize the Offer Plan big spend items that are eligible (shopping, groceries, travel, etc.) to reach ₹10,000 quickly. Avoid or postpone spends that are excluded until after the period or avoid counting them. Try to use the card in fewer transactions rather than many small ones; refunds are less likely. Set reminders so the 30-day window doesn’t slip away unnoticed