Kotak Credit Card Reward Points

With Kotak Mahindra Bank's credit card, you can earn reward points whenever you use it for purchases. These points can be turned into cash, vouchers, or items from their rewards catalog, helping you save money. Keep reading to learn more about Kotak credit card reward points and their benefits.

You can use the reward points you earn with Kotak Mahindra Bank for a variety of things like travel, shopping, recharges, and more. Additionally, you can redeem these points for flight and hotel bookings, as well as vouchers. Here's all you need to know about Kotak credit card reward points:

Top Kotak Credit Cards for Reward Points

Kotak Bank provides credit cards that offer great value through reward points on your spending. Here are some of the top Kotak credit cards known for offering the highest reward points:

Credit Card Annual Fee Reward Benefits
Kotak IndiGo Ka-Ching 6E Rewards XL Credit Card Rs. 2,500 6% rewards on IndiGo expenses.
Kotak Privy League Signature Credit Card Rs. 2,500 5 reward points for every Rs. 100 spent on certain categories.
Kotak League Platinum Credit Card Rs. 499 Up to 8 reward points per Rs. 150 spent across all purchases.
Kotak Urbane Gold Credit Card Rs. 199 3 reward points for every Rs. 100 spent on retail purchases.
Kotak Royale Signature Credit Card Rs. 999 Up to 4 reward points for every Rs. 150 spent on specific categories.

Kotak Credit Card Reward Points

Kotak Mahindra Bank offers a rewards program where you can earn points on your transactions and convert them into Kotak rewards or exchange them for a range of products or options in the Kotak credit card reward points redemption catalogue. However, before redeeming your points, here are some important things to consider:

  • The value of Kotak rewards differs depending on the variant of your credit card.
  • You can redeem your reward points through the Kotak rewards portal at www.kotakrewards.com.li>
  • Kotak rewards are non-transferable, non-assignable, and cannot be pledged.
  • To redeem your earned reward points, you'll need to fill out a reward redemption form.

How to Check Kotak Credit Card Reward Points

To get the most out of your reward points, it's crucial to keep tabs on them. You can easily check your reward points balance through mobile or internet banking, or by looking at your credit card statement. Here's how you can check your Kotak Bank credit card reward points:

  1. Mobile Banking: Download your credit card issuer's mobile app and log in to check details like your reward points balance and expiry date on the go.
  2. Credit Card Statement: Your monthly credit card statement contains all the details about your reward points, including earned points, expiry dates, and more. It's the easiest way to keep track.
  3. Net Banking: Log in to your credit card provider's net banking portal using your credentials to access all the information about your earned reward points.

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Ways to Redeem Kotak Credit Card Reward Points

The bank provides multiple options for redeeming Kotak credit card reward points. You have the flexibility to choose from a diverse range of options. Here are the common ways you can redeem your earned reward points:

1. Vouchers: Exchange your reward points for vouchers from top brands like Flipkart, Van Heusen, Myntra, KFC, Pantaloons, and more. Keep in mind that the available brands may change according to the bank's policy.

2. Recharges: Use your reward points to recharge your mobile with various operators such as Airtel, Jio, BSNL, MTNL, Vodafone, and others.

3. Flight & Hotel Bookings: Redeem your reward points for domestic flight and hotel bookings, whether for one-way or round trips. Please note that this is applicable only for domestic bookings.

4. Products: Explore the rewards catalogue and redeem your points for a variety of items including bags, perfumes, jewellery, home & kitchen appliances, eyewear, and more.

5. Cashback: Alternatively, you can convert your reward points into cash using Kotak Bank's net banking facility.

How to Redeem Kotak Credit Card Reward Points

You can redeem your Kotak Credit Card Reward Points either online or offline. Online redemption is easy through the bank's net banking facility. If you prefer to redeem offline, you'll need to visit a nearby branch of the bank. Here's how you can do it:

How to Redeem Kotak Credit Card Reward Points against Cash

You can also redeem your earned reward points for cash credit. Here's how to do it:

Step 1: Visit Kotak Bank’s net banking page.

Step 2: Enter your CRN/customer ID and password to log in.

Step 3: Select the credit card with available reward points balance.

Step 4: Opt for cash redemption and complete the process.

You can use the cash credit to pay off your outstanding balance or for any other purpose you prefer.

Redeem Kotak Credit Card Reward Points Online

You can easily redeem your credit card reward points online through Kotak Mahindra Bank's rewards catalogue. Just follow these steps:

Step 1: Go to the official Kotak rewards catalogue website at www.kotakrewards.com.

Step 2: Pick the category where you'd like to make a purchase.

Step 3: Select the items you want to redeem your reward points for.

Step 4: Log in to your account using your credentials.

Step 5: Complete the transaction to redeem your reward points.

Redeem Kotak Credit Card Reward Points Offline

In addition to redeeming your Kotak Mahindra Bank credit card reward points online, you can also do so through offline means. Simply call the Kotak credit card customer care and request to redeem your reward points against your desired option. A representative will assist you through the redemption process.


1. Can earned Kotak reward points be redeemed by add-on card member?

No, the reward points earned on the primary card can only be redeemed by the primary cardholder. Similarly, the reward points earned on an add-on credit card can only be redeemed by the add-on cardholder. Each cardholder can only redeem the reward points associated with their respective card.

2. How to use Kotak credit card reward points?

You have multiple options for using your credit card reward points. You can redeem them for items or products available in the rewards catalogue. Additionally, you have the choice to exchange your reward points for vouchers or cash credit. Moreover, you can use your reward points to book hotel accommodations or flights through the Kotak rewards catalogue.

3. Can Kotak debit cardholder earn reward points?

Yes, if you have a Kotak credit or debit card, you automatically earn reward points whenever you make purchases. Later, you can use these points to get items from the rewards catalogue. However, it's up to you; you can either pick products from the catalogue or convert your Kotak debit card reward points into cash.

4. When can I redeem my Kotak credit card reward points?

You can start redeeming your reward points as soon as they appear in your credit card account. However, be mindful that some points may have an expiry date, so it's essential to keep track of them. Make sure to review your credit card agreement carefully to understand the validity and expiry of your reward points.

5. What is the Kotak credit card reward points value in rupees?

The value of reward points differs based on the variant of the Kotak Mahindra Bank Credit Card you hold. Each credit card comes with its own rewards structure, and the redemption value is determined by the bank accordingly.

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