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Everything About Kotak Bank Credit Card Reward Points

Owning a credit card and purchasing items through it can be quite an enjoyable experience. While you do that and get some rewards for the purchase, the entire system becomes even more exciting.


Among the many credit card issuers, Kotak Mahindra is one of the popular banks to offer a lucrative program. The Kotak credit card reward points program is designed to help you earn your reward points through transactions like travel costs, shopping and others. 


You can redeem Kotak credit card points for various purchases depending on the card you have. General redemption transactions include gift vouchers, electrical appliances, and several other accessories. You get a lot of credit card options and all of them come with distinct and lucrative reward advantages. 


The reward point benefits attached to the credit cards depend mostly on the type of the credit card you own. If you are a credit card owner you will automatically get enlisted for this program as soon as you avail a new Kotak credit card


To know about Kotak credit card reward points, how to redeem them, and more, read on. 

Kotak Credit Cards Reward Points Table

The table below would give you a detailed idea of Kotak Mahindra Bank reward points:

Credit Card

Kotak Reward Points





Kotak Zen Signature Credit Card

  • Earn lucrative Zen Points with every transaction

  • Earn 10 points on every ₹150 spent on shopping (lifestyle, apparel, jewellery, and more)

  • Earn 5 points on every ₹150 spent for other transactions

  • Get 1500 points as welcome gift

  • Milestone points of up to 15,000 on ₹6 Lakhs spent in a year



Kotak Essentia Platinum Credit Card

  • Earn 10 Saving points with every ₹100 spent

  • Earn 1 Saving point for every ₹250 spent in transactions other than department and grocery

  • Get great value on rewards with 1 point valued at ₹1



Kotak Urbane Gold Credit Card

  • Earn 3 points on every ₹100 spent in retail transactions

  • Spend ₹1 Lakh in a year to earn 10,000 points (or 4 PVR tickets)

  • Redeem 1000 points at a value of ₹100 


Kotak League Platinum Credit Card

  • Earn up to 8 points on every ₹150 spent

  • Earn milestone reward of 10,000 points for spending ₹1,25,000 in six months


Kotak Royale Signature Credit Card

  • Earn up to 4 points on every ₹150 spent 

  • Earn up to 30,000 points if your annual retail spend is ₹8,00,000 


Kotak Mojo Platinum Credit Card

  • For each ₹100 spent online, you can earn 2.5 Mojo points and 1 point for other transactions

  • Earn 2500 points on spending ₹75,000 every quarter in the first year


Kotak NRI Royale Signature Credit Card

  • Earn 2X points on ₹100 spent internationally

  • Earn 1 point for every ₹100 spent within the country

  • Redeem your points at a value of ₹1 for eery point

Disclaimer: The Kotak credit card reward points mentioned above are subject to change at the bank’s discretion.

How to Earn Reward Points with the Kotak Credit Card Rewards Program

Kotak Credit Card Reward program allows you to get several points which you can redeem for further purchases. This entire program is very rewarding and can benefit you in several ways. 


Some of the ways by which you can reap reward points on your credit cards issued by the bank are:

  • Transaction for movies

  • Transaction for dining

  • Transaction for regular shopping

  • Bonus

  • Surplus amount of spending

  • Add-on Kotak credit cards

  • Spending on any international trip


With benefits on every transaction, Kotak credit card reward points can make your credit card use more rewarding. Moreover, Kotak credit card points redemption permissible on other transactions is a stand-out benefit that you can’t miss!

Methods to Redeem Kotak Credit Card Reward Points

Given below is a guide on how to redeem Kotak credit card points in different ways. 

1. Online Mode

The following simple steps below are the online way to redeem your Kotak Credit Card reward points:

  • Visit the Kotak bank’s official website

  • Choose net banking

  • Enter the required details to log in

  • Navigate to credit card tab to the "credit card" page

  • Choose from the options displayed


Now you can redeem your Kotak credit card reward points for movies, tickets, movies, shopping, and more.

2. Offline Mode

Kotak credit card points redemption is possible via offline mode as well. You can do this by using the option of customer care. Once your call gets connected to the team, they will guide you through the redemption process. 

How to Redeem Kotak Credit Card Rewards

Kotak credit card points redemption can take place on several transactions, such as: 

  • Purchase for travel purpose

  • Buy movie tickets via BookMyShow coupons

  • Get various goods from several renowned quality brands

  • Recharge for mobile


You can redeem your Kotak credit card reward points on the bank website by choosing reward points at the time of payment and pay the rest through your credit card. The products will be delivered to the address mentioned within the given time frame. 


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on Kotak Credit Card Reward Points

How can I redeem my Kotak credit card points?

You can carry out the Kotak credit card points redemption process online, by visiting the bank’s official website. After logging in, choose the category you want to purchase from and add them to your cart. 

Once done, convert your points at the time of payments and pay the balance, if any, through your card. The products purchased will be delivered within the stipulated time.

What is the value of easy points in Kotak credit cards?

The value of Kotak credit card reward points can range between ₹0.10 to ₹1 for every point depending on your card.

Can I convert my Kotak credit card reward points into cash?

Yes, you can convert your Kotak credit card reward points into cash with the PayByPoints feature.

Is it possible for Non-Indian citizens to enrol under the my Kotak Rewards Program?

Yes, you will be enrolled in the Kotak credit card reward points program even if you are an NRI.

Can I use my Kotak Bank credit card internationally?

Yes, you can. Select cards even allow you to earn Kotak credit card reward points on international transactions.

What do you mean by PayByPoints?

PayByPoints allows you to redeem your reward points at trader stores or outlets. The feature lets you convert your Kotak credit card reward points into cash at stores if you make the transaction using the credit card.

How can I block access to the Kotak Mahindra credit card reward points?

You can block your credit card by calling the bank’s customer support team. This will also block the access to Kotak credit card reward points.

How long are the Kotak Credit Card Reward Points valid?

The validity of the points you earned depend on the card you have. With some cards the validity can go up to 24 months. You can check the validity in your statement too.

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