I have done some research by my own. And I found no kotak card is great card who can beat other bank cards available in the market. Like zen signature card gives 1.6% cashback on some catagories and 0.8% cashback on others. Flipkart axis can easily beat this. Kotak rupay select card gives 1.25% cashback on others but exclude payment upto 2000 via UPI. This doesn't make any sense because most of the UPI transaction are under 2000. Is there any worthy kotak card exist?