Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Kotak Credit Card Reward Points

    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 to Earn Kotak Bank Credit Card Reward Points

    You can earn reward points on your Kotak Bank credit cards when you make payments towards the following categories:

    • Movies
    • Groceries
    • Welcome bonus
    • Dining
    • International Travel
    • Everyday shopping
    • High-value purchases
    • Add-on credit cards

    How to Redeem Kotak Bank Credit Card Reward Points

    You can redeem the reward points you earn on your Kotak credit card on many categories like:

    • Mobile recharge
    • 10,000 products form different brands
    • E-vouchers
    • Movies via BookMyShow vouchers
    • Travel

    You can redeem your points by following these steps:

    • Step 1: Visit the website,
    • Step 2: Choose your category
    • Step 3: Add items into your cart
    • Step 4: Check out and make payment using your reward points
    • Step 5: Your order will be placed and the products should reach your registered address in about 10 working days.

    Kotak Bank Credit Card Rewards Catalogue

    You can redeem your reward points earned on Kotak credit cards form the Kotak website on these categories:

    • Electronics
    • Travel accessories
    • Lifestyle
    • Storage devices
    • E-voucher and gift vouchers
    • Home and kitchen appliances

    You can see the list of partners and products here:

    Eligible Cards for Kotak Credit Card Rewards Programme

    These are the Kotak Bank credit cards that are eligible for the Kotak credit card rewards programme.

    Credit Cards Reward Benefits
    Kotak Zen Signature Credit Card
    • Get 15 Zen points and 5 Zen points for every Rs.150 that you spend on KayMall and also non KayMall spends respectively.
    • Earn 15,000 Bonus Zen points when you spend more than Rs.6 lakh every year.
    Kotak Essentia Platinum Credit Card
    • Get 1 Saving Point for every Rs.250 you spend.
    Kotak Urbane Gold Credit Card
    • Earn 3X Reward Points against retail spends of Rs.100
    • Get 4 PVR tickets or 10,000 Reward Points on annual spends of Rs.1 Lac
    Kotak League Platinum Credit Card
    • Get 4 free PVR tickets or 10,000 Reward Points on spends of Rs.1,25,000 every 6 months
    • Earn up to 8X Reward Points on every Rs.150 spent across all categories
    Kotak Royale Signature Credit Card
    • Get up to 30,000 Bonus Reward Points on annual retail spends of Rs.8 Lacs
    Mojo Platinum Credit Card
    • Earn 5 Mojo points on shopping via KayMall, 2.5 Mojo points on online spends & 1 Mojo point on all other spends for every Rs. 100*
    Kotak NRI Royale Signature Credit Card
    • 2X rewards on spends outside India where 1 reward point = Re 1/

    FAQs on 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. What is the value of the reward points that I earn?

      You can redeem your reward points against airline tickets, merchandise, and mobile recharge, and convert them to Easy Points where 2 reward points = 1 Easy Point.

    3. Can I use my Kotak Bank credit card for international transactions?

      Yes, you can use your Korak Bank credit cards for international transactions. You will be charged a transaction fee, that is the Foreign Currency Markup Fee, 3.5 % + GST. You will need to contact the bank to enable the credit card for being used for international travel.

    4. What is PayByPoints?

      PayByPoints is a feature by Kotak Bank which allows instant redemption of your credit card reward points at merchant outlets or stores.

    5. What is the validity period of the Kotak Mahindra Credit Card Reward Points?

      The reward points that you earn on your Kotak Bank credit cards will expire after 2 years from the date on which you earn them.

    6. How can I block access to my Kotak Mahindra Credit Card Rewards Points?

      In case of any fraudulent transaction, you can call the Kotak Bank customer contact centre at 1860 266 2666 and deactivate or block your credit card.

    7. 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.

    8. 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.

    9. 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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