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  • Kotak Credit Card Reward Points

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    Kotak Mahindra Bank offers a plethora of credit card options with varying rewards benefits, depending on the type of card held by the customer. Card holders can earn reward points on purchase transactions and then redeem them for gifts and vouchers from the online rewards catalogue. Kotak credit card holders will automatically get enrolled for the rewards program once they avail a new card.

    How can I earn reward points using Kotak Mahindra Bank Credit Cards?

    Kotak Mahindra Bank customers can earn reward points based on the type of credit card they hold. The rate of earning points varies from one card to another. The below given table illustrates the same -

    Type of Kotak Mahindra Bank Credit Card Rate at which rewards points can be earned

    Kotak Mahindra Bank Silk Inspire Credit Card

    5X reward points for every Rs. 100 spent, with a minimum retail purchase of Rs. 75,000 in one billing cycle.

    Kotak Mahindra Bank Urbane Gold Card

    3X reward points for every Rs. 100 spent on retail purchases.

    Kotak Mahindra Bank Essentia Platinum Credit Card

    10 Saving Points for every Rs. 100 spent at Grocery and departmental stores. The minimum transaction amount should be Rs. 1500 and the maximum should be Rs. 4000. Customers can earn up to 500 Savings points in one month.

    Kotak Mahindra Bank Royale Signature Card

    Earn up to 15X reward points for every Rs. 100 spent at Visa merchant outlets inclusive of holidays, air tickets and international transactions and shopping.

    5X reward points for every Rs. 100 spent on all other types of transactions.

    Kotak Mahindra Bank League Platinum Card

    Earn up to 8X reward points for every Rs. 150 spent on holidays, air tickets and international transactions and shopping.

    Kotak Mahindra Bank PVR Gold Card

    Free PVR tickets if the credit card spend is Rs. 7500, Rs. 15000 or above.

    Kotak Mahindra Bank PVR Platinum Card

    Free PVR tickets if the credit card spend is Rs. 7500 or above.

    Kotak Mahindra Bank Feast Gold Card

    10 Dining Points for a spend of Rs. 5000 or above on movies and dining.

    The first five movie and dining transactions will get the customer 600 dining points.

    Kotak Mahindra Bank NRI Royale Signature Card

    2X rewards for every Rs. 200 spent outside India.

    1 reward points for every Rs. 200 spent within the country.

    Kotak Mahindra Bank Aqua Gold Card

    For spends above Rs. 1.5 lakhs, customers can get a cashback of Rs. 750 or four PVR tickets.

    Kotak Mahindra Bank Fortune Gold Card

    For spends above Rs. 1.5 lakhs, customers can get a cashback of Rs. 750 or four PVR tickets.

    How do you redeem Kotak reward points?

    • Kotak Mahindra Bank customers can redeem accrued rewards points by logging in to their net banking accounts available on kotak.com.
    • The credit card holder has to login in using their CRN, Dynamic Access Code and password.
    • Then the type of credit card held has to be chosen to initiate the redemption process.
    • To initiate a rewards redemption, customers have to select the type of redemptions that they want to make and then proceed further.
    • Accrued rewards points can be redeemed for air tickets, mobile recharge, merchandise, bus tickets, movie tickets and hotel accommodation.
     

    What do you redeem Kotak reward points for?

    Kotak Mahindra Bank customers can redeem accrued reward points for gifts, vouchers, tickets, movies and much more from the online catalogue. The redemption benefits vary depending on the type of credit card held by the customer.

     
    Redemption Options Redemption Options
    A B

    Silk Inspire Credit Card

    Card holders can get 8 free PVR tickets in a year. Customers can redeem the Star Pass Code issued for online PVR Movie Ticket bookings on www.pvrcinemas.com.

    Customers can get up to 2000 reward points which can be redeemed for Movie Tickets, Air tickets, Branded Merchandise, Air miles and Mobile Recharge.

    Urbane Gold Card

    With a spend of Rs. 1 lakh for one year, customers can get 4 free PVR tickets.

    Customers can get up to 10000 reward points which can be redeemed for Movie Tickets, Air tickets, Branded Merchandise, Air miles and Mobile Recharge.

    Essentia Platinum Credit Card

    Card holders can get 12 free PVR tickets in a year. Customers can redeem the Star Pass Code issued for online PVR Movie Ticket bookings on www.pvrcinemas.com.

    Accrued rewards points will be directed to the customer’s account by the next billing cycle. Accumulated Savings Points can be converted into EasyPoints to be redeemed for Branded Merchandise, Air tickets and Mobile Recharge.

    1 Saving Point would equal 2 Easy Points.

    Royale Signature Card

    Accumulated rewards points can be converted into EasyPoints to be redeemed for Branded Merchandise, Air tickets and Mobile Recharge.

    5 Reward Point would equal 1 Easy Point.

    Air ticket vouchers can be redeemed www.myKotakRewards.com and comes with a validity of six months.

    League Platinum Card

    Card holders can get 8 free PVR tickets in a year. Customers can redeem the Star Pass Code issued for online PVR Movie Ticket bookings on www.pvrcinemas.com.

    Accrued rewards points will be directed to the customer’s account by the next billing cycle. Accumulated rewards points can be converted into EasyPoints to be redeemed for Branded Merchandise, Air tickets and Mobile Recharge.

    5 Reward Point would equal 1 Easy Point.

    Movie ticket vouchers can be redeemed www.myKotakRewards.com and comes with a validity of three months.

    PVR Gold Card

    The free movie tickets can be redeemed at www.pvrcinemas.com or at the Box Office.

    PVR Platinum Card

    The free movie tickets can be redeemed at www.pvrcinemas.com or at the Box Office.

    Feast Gold Card

    Accumulated rewards points can be converted into EasyPoints to be redeemed for Branded Merchandise, Air tickets and Mobile Recharge.

    1 Reward Point would equal 2 Easy Points.

    NRI Royale Signature Card

    Accumulated rewards points can be converted into EasyPoints to be redeemed for Branded Merchandise, Air tickets and Mobile Recharge.

    1 Reward Point would equal Re 1.

    1 Reward Point would equal 2 Easy Points.

    Aqua Gold Card

    The free movie tickets can be redeemed at www.pvrcinemas.com. The cashback will sent to the card account by the next billing cycle.

    Fortune Gold Card

    The free movie tickets can be redeemed at www.pvrcinemas.com. The cashback will sent to the card account by the next billing cycle.

     

    Perfect Credit Card Deals for you

    myKotakRewards Program:

    Kotak Mahindra Bank credit card customers will be automatically enrolled under the myKotakRewards Program and redeem accrued rewards points for exciting gifts, vouchers, tickets and merchandise from the online rewards catalogue. Kotak Reward Points come with a validity period of three years within which redemptions have to be made by credit card holders. The value of 1 myKotakRewards Point depends on the type of Kotak credit card held by the customer.

    Customers can earn 4 Kotak Reward Points for every Rs. 100 spent on all types of credit card transactions.

    Customers can earn 6 Kotak Reward Points for every Rs. 100 spent on preferred category transactions.

    List of Kotak Mahindra Bank Credit Cards available with Rewards benefits:

    Types of Kotak Mahindra Bank Credit Cards Name of the Rewards Program Rewards Redemption Benefits

    Silk Inspire Credit Card

    myKotakRewards Program

    Cash

    Air Miles

    Airline tickets

    Movie Tickets

    Branded Merchandise

    Mobile Recharge

    Urbane Gold Card

    myKotakRewards Program

    Cash

    Air Miles

    Airline tickets

    Movie Tickets

    Branded Merchandise

    Mobile Recharge

    Essentia Platinum Credit Card

    myKotakRewards Program

    Cash

    Air Miles

    Airline tickets

    Movie Tickets

    Branded Merchandise

    Mobile Recharge

    Royale Signature Card

    myKotakRewards Program

    Cash

    Air Miles

    Airline tickets

    Movie Tickets

    Branded Merchandise

    Mobile Recharge

    League Platinum Card

    myKotakRewards Program

    Cash

    Air Miles

    Airline tickets

    Movie Tickets

    Branded Merchandise

    Mobile Recharge

    PVR Gold Card

    -

    PVR Movie Tickets

    PVR Platinum Card

    -

    PVR Movie Tickets

    Feast Gold Card

    myKotakRewards Program

    Cash

    Air Miles

    Airline tickets

    Movie Tickets

    Branded Merchandise

    Mobile Recharge

    NRI Royale Signature Card

    -

    Cash

    Air Miles

    Airline tickets

    Movie Tickets

    Branded Merchandise

    Mobile Recharge

    Aqua Gold Card

    -

    PVR Movie Tickets

    Cashback

    Fortune Gold Card

    -

    PVR Movie Tickets

    Cashback

     

    FAQs for myKotakRewards Program:

    1. Can Non-Indian citizens enroll under the myKotakRewards Program?

      Yes, if the customer is a resident of India and carries a valid Kotak Mahindra Bank credit card, he/she will be automatically enrolled under the myKotakRewards Program.

    2. How can Kotak Mahindra Bank customers check the reward point balance in their accounts?

      Customers have to visit the Kotak Rewards site or otherwise call the Customer Care Helpdesk at 1800 419 6888.

    3. Will Kotak Mahindra Bank credit card holders receive a monthly statement with regards to their reward point’s accrual?

      Yes, a monthly statement will be sent to the customer which will record the transactions done and the reward points accrued during the course of the month.

    4. What does “Preferred Category” mean for Kotak credit card customers?

      Under the “Preferred Category” customers can choose to spend on specific segments, namely entertainment, travel, dining and grocery and earn higher reward points.

     

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    Kotak Credit Card Reward Points Reviews

    • Kotak Credit Card
      "Satisfactory and User Friendly "
      0.5 4.0/5 "Great!"
      I have Kotak Mahindra Bank credit card which was taken through bank. There will 2 movie ticket offers on monthly bais and this was a chargeable card and satisfied with the credit limit and got my credit card on proper time frame. The process was pretty good and this credit card is much comfortable to use.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 21, 2020
    • Kotak
      Kotak Credit Card
      "Good service "
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank credit card is a good to use, because its easily accessible card. Purchased this credit card almost 5 years back. I'm getting all kind of benefits like fuel surcharges , cash backs and reward points. This is a life time free card and service was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 21, 2020
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK SIGNATURE credit card more than 3-4 years. Annual charges of this card is Rs. 500 but there is a wavier option for certain amount of usage. Credit limit is Rs. 31k that is enough for me and the customer service was good. I got a call from bank so I applied directly.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 18, 2020
    • Kotak Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I am having a salary account with Kotak Mahindra bank hence they have provided me a free credit card. If i spend about Rs. 15000, my annual fee will get waived off. Basically, there are no much benefits and i can get the convert the miles hence we get the benefit over there. I get buy1+ get1 movie ticket offer.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 18, 2020
    • Kotak Credit Card
      "It is good bank but some disadvantage is there "
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA credit card more than 10 years. Earlier my credit limit was Rs.30k, after that they increased as Rs. 1.05L with the same card number. I have an add on card also, annual charges for this card is Rs. 999 and i am getting wavier for fuel and cash back from last 3 years. Customer service was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 17, 2020
    • Kotak Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Got my credit card from Kotak Mahindra bank and i didn't apply the card from my end. I have a account with Kotak Mahindra hence based on my eligibility they have contacted me. I have got the limit of Rs. 25000 and I'm fine with that. I am not checking any offers on this card. There is a annual fee of Rs. 199.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 17, 2020
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I applied for KOTAK MAHINDRA credit card through online and i am using this card for almost 1 year. I have shared the documents via whatsapp. I have a good credit limit which is sufficient. I am getting buy one get one movie ticket free and also fuel surcharges will get waived off.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 17, 2020
    • Kotak Credit Card
      "Average service"
      0.5 4.0/5 "Great!"
      Mostly I use my Kotak bank credit card for an emergency needs. I get buy 1 get 1 movie ticket offer in book my show, 3 times a month and it can be availed any time. I have a credit limit of Rs.90,000, which is sufficient. Annual charges are applied around Rs.900. For balance transfer they charge 3% interest rate.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2020
    • Kotak Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank credit card is an excellent card to use because its easily accessible and automatically they are increasing the limit on a time to time basis. Purchased the Kotak mahindra bank credit card around 2 years back. I'm getting all kind of benefits like petrol re-imbursement, cashbacks, reward points.
      Was this review helpful? 0
      , faridabad
      Reviewed on Jan 17, 2020
    • Kotak Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK bank credit card for more than 4 months which I had applied through bank directly. It is pre approved account so I got a card on time with quick process. The credit limit around of 1L. I use to get PVR movie ticket like one plus one free which I can use only on Saturday. But If I spend 10K on monthly basis, I get 2 PVR coupons which is valid for 2 months and can be used on any days.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 16, 2020
    • Kotak Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I haven Kotak Mahindra Bank credit card which was taken through Bank Emi conversion option is there ,every month movie ticket offers are available and also in restaurants dinning offers are there .The credit limit was very less it was 20,000 only.There are cash back offers and reward points .I can redeem reward points also.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 16, 2020
    • Kotak Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      In Kotak Mahindra bank, i got the PVR Gold credit card. Many benefits are available. When i opened the bank account, agent approached me to take the credit card and i didn't provide any documents to avail this card. I'm getting the movie ticket offer like Buy 1+Get 2 offer. There is no yearly charges on this card.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 16, 2020
    • Kotak Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I have Kotak Mahindra Bank credit card which was availed through Bank.I am using this credit card for the past 2.5 years .This is a llife time free card threre was no special features on this credit card so far,I am using this credit card for business purpose only.I am comfortable with the service so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2020
    • Kotak Credit Card
      "Medium service "
      0.5 3.5/5 "Pretty good"
      I have been holding KOTAK bank credit card for more than 2 years. There is no much benefits on this card.The limit is low of 50K only. It is annual fee of 700 rupees but there is a waiver off option if I use 1L in a year. I use this card for many purposes. They have provided an option for EMI conversion.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 14, 2020
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Kotak Mahindra Bank credit card which is veruy useful and needy one ,I am using this credit card almost 2 months only .This was a chargeable card .There was airport longue access and this credit is very much comfortable and useful on all situations.I am satisfied with this credit card service so far.
      Was this review helpful? 2
      , mumbai
      Reviewed on Jan 12, 2020
    • Kotak Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am using Kotak bank credit card for past 6 months. I get coupon for movie ticket buy 1 get 1 free offer twice in a month mostly it can availed in week end. I get cash back and discounts for shopping purpose. I have a credit limit of 15,000 which is not sufficient. It is a life time free card.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 12, 2020
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Kotak Mahindra Bank credit card which was taken through Bank directly.I am using this credit card for the past 2 months only .This was a paperless approval since got personal loan earlier .I have not faced any difficulties so far ,The process was really good and satisfied .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 11, 2020
    • Kotak Credit Card
      "Need to enhance the credit limit"
      0.5 3.0/5 "Satisfactory"
      I am holding KOTAK Bank credit card for more than 2 years. I have applied through bank directly. It is annual fee chargeable of 500 rupees there is an option of waiver off if I spend 1.5L within a year. The credit limit is low of 15K only I would suggest to enhance based on my usage. EMI conversion charges are high. I use this card for shopping purpose based on the usage I get reward points.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 10, 2020
    • Kotak Credit Card
      "Need to imrpove their service "
      0.5 3.0/5 "Satisfactory"
      KOTAK bank has offered PVR gold credit card on one month before. Since I have taken a personal loan they provided a card. The process was good. It is an annual fee chargeable of 499 plus GST and there is an option for waiver off. The credit limit is sufficient of 1L. They have not provided an option for EMI conversion. So I had sent requested but there is no response from their end. I use this card for personal usage. From bank end not updating the correct date of due date.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 09, 2020
    • Kotak Credit Card
      "Average card"
      0.5 1.0/5 "Really Bad"
      Earlier i was working with Kotak Mahindra bank hence i bought the credit card from the same bank. They have provided me a PVR Gold credit card, in this i will be getting a free movie ticket every month but i haven't received anything till now. I'm satisfied with the credit card but the benefits are hidden. They must keep the promise which makes to the customer.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 08, 2020
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