Kotak Grocery Shopping Offers Credit Cards in India 2026

6% benefit on Indigo spends 
– You earn 6 reward points (called 6E reward points) worth ₹6, on every ₹100 you spend at Indigo.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Not valid on group, corporate, SME and agent bookings.
– Reward points are valid for 2 years from date of issuance.

3% benefit on entertainment, dining & grocery spends 
– You earn 3 reward points (6E reward points) worth ₹3, on every ₹100 spend you spend on entertainment, dining & grocery.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.

2% benefits on all other spends :
– You earn 2 reward point (6E reward point) worth ₹2, on every ₹100 spend you spend on all other spends.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Exception : No reward points are given on wallet transactions.

Complimentary domestic airport lounge access – 2 per quarter

Benefits
– Attractive benefit rate of 6% on Indigo spends
– Good benefit rate of 3% on grocery purchases, dining expenditure and entertainment spends
– Complimentary airport lounge access in India (2 per quarter)

Drawbacks to consider
– No renewal offer, so this card is beneficial only if you fly frequently on Indigo

7.50% special discount on Myntra : You get 7.50% discount on Myntra purchases, on all Myntra transactions upto ₹10,000. Since the maximum discount available per transaction is ₹750.

5% cashback on select partners 
– You earn ₹5, on every ₹100 you spend on Swiggy Instamart (grocery) || Swiggy (food delivery) || PVR (movies) || Cleartrip (travel) || Urban Company (beauty salon services, cleaning, home repairs)
– This is valid only on combined total purchases upto ₹20,000, since the maximum cashback is capped at ₹1000 per monthly card statement cycle. If your spends are more than ₹20000 in a month , your effective cashback will drop below 5%.

1.25% cashback on all other card spends :
– You earn ₹1.25, on every ₹100 you spend on all other card purchases.
– Exceptions : You get no cashback on fuel spends, rent payments, wallet recharges, EMI transactions and cash advances.

Additional benefits (quarterly milestone benefits), upto 1%
– You get 2 complimentary PVR tickets valued at ₹250 each, on quarterly card spend of over ₹50,000
– Card spends on rent, wallet, and fuel are not considered valid spends for the above calculation

Complimentary airport lounge access in India – 1 per quarter

Fuel surcharge waiver, upto ₹3500 every year
– You get 1% fuel surcharge waiver only on fuel transactions between ₹500 and ₹3000, and
– Only on yearly fuel purchases of upto ₹3.50 lakhs (since the maximum waiver amount is limited to ₹3500 per year).

Benefits
– 7.50% discount on Myntra.
– 5% cashback on 5 select partners, covering a wide range of services.
– Complimentary domestic airport lounge access

Drawbacks to consider
– Cardholders are restricted to specific partners to avail discounts and cashback

5% earning on fuel purchases
– 4% earning on IndianOil (IOCL) fuel purchases : You earn 16 reward points worth ₹4, on every ₹100 you spend at IOCL fuel outlets – only on purchases upto ₹7500 per month , since the maximum reward points at this special earning rate are capped at 1200.
– 1% fuel surcharge waiver at all fuel stations : Surcharge waiver is given only on fuel transactions between ₹100 and ₹5,000. Maximum surcharge waiver amount given is ₹100 per monthly card billing cycle.

2% earning on grocery and dining spends
– You earn 8 reward points worth ₹2, on every ₹100 you spend in these categories.
– This is valid only on total monthly spends upto ₹10,000 in these categories, since the maximum reward points at this special earning rate are capped at 800 per month.
– 1 reward point = ₹0.25, and can be redeemed as cashback as a special introductory launch offer. Post launch offer, reward points will need to be converted to IndianOil loyalty program (XTRAREWARDS Points) and then redeemed at IndianOil outlets.

0.50% earning on all other purchases 
– You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases.

Complimentary personal accident insurance of ₹2 lakhs

Personal concierge services
– Hassle-free gift and flower deliveries
– Seamless restaurant referrals and bookings
– Easy car rental and limousine reservations
– Exclusive golf reservations for your leisure
– Effortless movie ticket bookings

Benefits
– Attractive benefit rate of 5% on monthly fuel purchases, including 1% fuel surcharge waiver
– Good benefit rate of 2% on grocery purchases & dining expenditure
– Low annual card spend target (of ₹50,000) to get annual fees waived off
– Lifestyle benefits such as personal concierge

Drawbacks to consider
– You are restricted to IndianOil pumps, to avail special fuel benefits

3% benefit on Indigo spends
– You earn 6 reward points (called 6E reward points) worth ₹6, on every ₹100 you spend at Indigo.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Not valid on group, corporate, SME and agent bookings.
– Reward points are valid for 2 years from date of issuance.

2% benefit on entertainment, dining & grocery spends
– You earn 2 reward points (6E reward points) worth ₹2, on every ₹100 spend you spend on entertainment, dining & grocery.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Reward points are valid for 2 years from date of issuance.

1% benefits on all other card spends 
– You earn 1 reward point (6E reward point) worth ₹1, on every ₹100 spend you spend on all other spends.
– One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets.
– Reward points are valid for 2 years from date of issuance.
– Exception : No reward points are given on rent, wallet, education and government spends.

Benefits
– 3% reward rate on Indigo spends
– Higher reward rate of 2% on grocery purchases, dining expenditure and entertainment spends
– Good welcome offer worth over ₹1500

Drawbacks to consider
– No renewal offer, so this card is beneficial only if you fly frequently on Indigo