{"id":6963,"date":"2026-04-01T21:03:45","date_gmt":"2026-04-01T15:33:45","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=6963"},"modified":"2026-04-01T21:03:47","modified_gmt":"2026-04-01T15:33:47","slug":"cashback-sbi-vs-kotak-cashback-credit-card-one-offers-3-extra-fuel-cashback-which-saves-more","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/cashback-sbi-vs-kotak-cashback-credit-card-one-offers-3-extra-fuel-cashback-which-saves-more\/","title":{"rendered":"Cashback SBI vs Kotak Cashback+ Credit Card: One Offers 3% Extra Fuel Cashback &#8211; Which Saves More?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>This article compares the SBI Cashback Credit Card and the Kotak Cashback Plus Credit Card. It analyzes their fees and cashback systems to assist users in selecting between flat cashback and category-based reward systems.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>The SBI Cashback Credit Card and the Kotak Cashback Plus Credit Card are popular cashback-focused cards designed for different usage patterns. The SBI Cashback Credit Card provides a fixed cashback rate that applies to all online purchases, whereas the Kotak Cashback Plus Credit Card offers increased rewards for specific categories that include groceries, food delivery, entertainment, and fuel purchases.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-360273571\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cashback-sbi-card\" style=\"font-size:22px\"><strong><a href=\"https:\/\/bitli.in\/8ttY3EH\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cashback SBI Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/02\/SBI-Cashback-CC-1024x640.jpg\" alt=\"\" class=\"wp-image-5519\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/02\/SBI-Cashback-CC-1024x640.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/02\/SBI-Cashback-CC-980x613.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/02\/SBI-Cashback-CC-480x300.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee\/Annual Fee:<\/strong> \u20b9999 + GST&nbsp;<\/li>\n\n\n\n<li><strong>Fee waiver: <\/strong>Annual<strong> <\/strong>Spend \u20b9200,000\/year<\/li>\n\n\n\n<li><strong>Benefits:<\/strong>\n<ul class=\"wp-block-list\">\n<li>5% cashback on online spends without any merchant restrictions<\/li>\n\n\n\n<li>1% cashback on offline spends<\/li>\n\n\n\n<li>1% Fuel Surcharge Waiver on every transaction between \u20b9500 and \u20b93000 at all petrol stations. Maximum \u20b9100 per statement cycle&nbsp;<\/li>\n\n\n\n<li>Cashback is not applicable for spending on utilities, insurance, fuel, rent, wallets, education, jewelry, railways, etc.<\/li>\n\n\n\n<li>Cashback is credited automatically within 2 days of the next statement.&nbsp;<\/li>\n\n\n\n<li>Worldwide acceptance &amp; ATM cash access&nbsp;<\/li>\n\n\n\n<li>The maximum card cashback that can be earned on online and offline spends in a statement cycle is capped at \u20b94000&nbsp;<\/li>\n\n\n\n<li>Most purchases can be converted into EMIs using SBI Card\u2019s Flexipay facility (cashback may not be earned on transactions converted to EMI)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>To apply for the card, please visit the <a href=\"https:\/\/bitli.in\/8ttY3EH\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Official Website<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kotak-cashback-credit-card\" style=\"font-size:22px\"><strong><a href=\"https:\/\/bitli.in\/5alSf8v\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Kotak Cashback+ Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1094\" height=\"614\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/04\/kotak-cashback-credit-card-1-1.png\" alt=\"\" class=\"wp-image-6966\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/04\/kotak-cashback-credit-card-1-1.png 1094w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/04\/kotak-cashback-credit-card-1-1-980x550.png 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/04\/kotak-cashback-credit-card-1-1-480x269.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1094px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee\/Annual Fee:<\/strong>&nbsp; \u20b9750 + GST&nbsp;<\/li>\n\n\n\n<li><strong>Fee waiver: <\/strong>Annual<strong> <\/strong>Spend \u20b9200,000\/year<\/li>\n\n\n\n<li><strong>Benefits:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>5% cashback on select online categories such as groceries, food delivery, and entertainment<\/li>\n\n\n\n<li>3% cashback on fuel spends at petrol stations&nbsp;<\/li>\n\n\n\n<li>0.5% unlimited cashback on all other eligible spends&nbsp;<\/li>\n\n\n\n<li>Cashback restrictions on Rent, B2B transactions, Utilities, Insurance, Education and Government, Wallet, Online skill-based gaming, and EMI<\/li>\n\n\n\n<li>1% Fuel Surcharge Waiver on fuel transactions between \u20b9500 and \u20b94,000. Maximum waiver is allowed up to \u20b93500 in an anniversary year.<\/li>\n\n\n\n<li>Up to 750 reward points cap on accelerated spends&nbsp;<\/li>\n\n\n\n<li>Cashback is earned as reward points, where 1 reward point = \u20b91<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>To apply for the card, please visit the <a href=\"https:\/\/bitli.in\/5alSf8v\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Official Website<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/this-sbi-card-saves-2x-more-than-cashback-sbi-card-on-10k-monthly-spend-see-which-one\/\" target=\"_blank\" rel=\"noreferrer noopener\">This SBI Card Saves 2X More Than Cashback SBI Card on \u20b910K Monthly Spend &#8211; See Which One<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comparison-sbi-cashback-card-vs-kotak-cashback-plus-credit-card\" style=\"font-size:22px\"><strong>Comparison: SBI Cashback Card vs. Kotak Cashback Plus Credit Card<\/strong><\/h2>\n\n\n<div id=\"footable_parent_6979\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"6979\" data-filter-delay=\"1000\" aria-label=\"CC - Sheet1.csv\"            id=\"footable_6979\"\n           data-unique_identifier=\"ninja_table_unique_id_2919893474_6979\"\n           class=\" foo-table ninja_footable foo_table_6979 ninja_table_unique_id_2919893474_6979 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-example-monthly-spend-of-10-000-and-how-much-can-you-save\" style=\"font-size:18px\"><strong>Example: Monthly Spend of \u20b910,000 and How Much Can You Save?<\/strong><\/h3>\n\n\n<div id=\"footable_parent_6980\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_1\" data-footable_id=\"6980\" data-filter-delay=\"1000\" aria-label=\"CC - Sheet1 (1).csv\"            id=\"footable_6980\"\n           data-unique_identifier=\"ninja_table_unique_id_3522712126_6980\"\n           class=\" foo-table ninja_footable foo_table_6980 ninja_table_unique_id_3522712126_6980 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<p><strong>Note: <\/strong>This example assumes a distribution of spending across categories and is meant to illustrate how rewards vary based on usage patterns.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-one-should-you-choose\" style=\"font-size:22px\"><strong>Which One Should You Choose?<\/strong><\/h2>\n\n\n\n<p>The SBI Cashback Credit Card provides customers with straightforward cashback, which applies to their online purchases and Kotak Cashback Plus Credit Card provides better rewards to customers who spend their money on groceries, dining, entertainment, and fuel expenses.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-592833843\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Both<strong> <\/strong>the SBI Cashback Credit Card and Kotak Cashback Plus Credit Card offer substantial cashback rewards yet operate through separate reward systems. SBI Cashback works best for users who need simple solutions for making online purchases everywhere, while Kotak Cashback Plus benefits users who want to optimize their rewards through specific spending categories. Your spending habits and your choice between flat cashback and category cashback decide which option to select.&nbsp;<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1362025007\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>&nbsp;<\/strong>Written By Ameet S<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: This article compares the SBI Cashback Credit Card and the Kotak Cashback Plus Credit Card. It analyzes their fees and cashback systems to assist users in selecting between flat cashback and category-based reward systems. The SBI Cashback Credit Card and the Kotak Cashback Plus Credit Card are popular cashback-focused cards designed for different usage [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":6970,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[1023,2385,2372,2258,2370,754,2362,2391],"ppma_author":[1013],"class_list":["post-6963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-hdfc-credit-card","tag-is-cash-back-on-credit-cards-worth-it","tag-kotak-cashback-credit-card","tag-sbi-cashback","tag-sbi-cashback-card","tag-sbi-cashback-credit-card","tag-sbi-cashback-credit-card-apply","tag-sbi-cashback-credit-card-vs-simply-save"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cashback SBI vs Kotak Cashback+ Credit Card: One Offers 3% Extra Fuel Cashback - Which Saves More?<\/title>\n<meta name=\"description\" content=\"This article compares the SBI Cashback Credit Card and the Kotak Cashback Plus Credit Card. It analyzes their fees and cashback systems to assist users in selecting between flat cashback and category-based reward systems.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tradebrains.in\/money\/cashback-sbi-vs-kotak-cashback-credit-card-one-offers-3-extra-fuel-cashback-which-saves-more\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cashback SBI vs Kotak Cashback+ Credit Card: One Offers 3% Extra Fuel Cashback - Which Saves More?\" \/>\n<meta property=\"og:description\" content=\"This article compares the SBI Cashback Credit Card and the Kotak Cashback Plus Credit Card. 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