Kotak’s current offer listing separates Tata CLiQ Fashion from Tata CLiQ Luxury. Both advertise 12.5%, but the spend threshold and maximum discount differ.

Which threshold applies?

Fashion lists a ₹3,000 minimum with a ₹1,000 cap. Luxury lists a ₹7,500 minimum with a ₹2,500 cap. Selected cards qualify; do not assume every Kotak card participates.

Check the final order

Use the relevant storefront and confirm the actual discount before payment. A return or cancelled item can change the qualifying transaction amount.

  • Confirm your card in the linked full terms.
  • Compare the same item and delivery charges.
  • Keep the final checkout and order confirmation.

Separate the discount from card rewards

Treat any other reward as separate and check its own exclusions. Do not add a maximum discount to an unrelated cashback headline.