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

    • Kotak Credit Card
      "They should transparent in their service"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra always takes some unwanted charges for the credit card and they wont give clear information about the charges. They offered me credit limit of Rs.30,000 its very low. I am using it for one year. So far I haven't get any credit card offers, they should work on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • Kotak Credit Card
      "Average card to use"
      0.5 1.0/5 "Really Bad"
      I got Visa credit card with Kotak Mahindra. I hold this card for past 1 year. I don't get credit points, reward points,cash back offers with this card. I don't use this card even for shopping as well. The rate of interest is high when compared with others. The credit limit can be increased in future. The banking and the customer service need to be improved with Kotak Mahindra bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • Kotak Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I do have credit card with the Kotak Mahindra bank because it provides more benefits like cash backs while swiping for movie tickets and fuel purchase in outlets. As far, I have experienced the response is fine one with the Kotak mahindra bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • Kotak Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      Kotak mahindra bank credit card is good one and am using it from the last four years of time. Credit limit value is good one with them, also I have not faced any issues with them, also I used to get the offers like PVR tickets for movies, also they have credit limit up to 1.1 lakh Rupees.
      Was this review helpful? 1
      , thane
      Reviewed on Jun 21, 2017
    • Kotak Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      This is a chargeable credit card with Kotak Mahindra Bank. The bank offered good credit limit and they promised me to increase the limit in another two months of time. I did not have any problem with the bank. I am quite happy with the bank especially when it comes to credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 20, 2017
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The line of credit on my KOTAK credit card is satisfactory, but the bankers have called to enhance the limit, I don't require much. Services are very good with them and the response too. I am having this credit card from the last two year of time, also I have not found any drawback with them till date.
      Was this review helpful? 0
      , surat
      Reviewed on Jun 19, 2017
    • Kotak Credit Card
      "Better "
      0.5 3.5/5 "Pretty good"
      I have very less credit limit with the Kotak mahindra bank credit card and I got it when I have started my career. Service aspects and other aspects are nominal one. I am using this credit card from the last three years of time. Payment option and other things are good one.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 17, 2017
    • Kotak Credit Card
      "Better "
      0.5 3.0/5 "Satisfactory"
      I do hvae credit card with the Kotak mahindra bank and the cooling period is around a month of time to make the premium. I have got the PVR credit card and I used to get the movie ticket as two for every month. Credit limit value is around 35000 Rupees.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Not Responsive"
      0.5 1.0/5 "Really Bad"
      I am not at all happy with Kotak Mahindra Bank in terms of credit card. Even I hold savings account with the same bank, that is also not satisfactory. The annual fee is 500 rupees but there is no reward points and cash back offers on my card. Actually I was not in a need of credit card but the bankers forced me to get the card. Recently I faced some problem with the bank, due to which my credit card been blocked.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      Kotak Mahindra credit card service is good but If I have any queries that I am unable to reach their customer care on time, IVR system is very bad. One good thing is they have six digit of pin no, its more secured to do transaction. They have two day of grace time, they accept the payment after two days of due date without any charges. Based on transaction, they are upgrading the credit limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank has been top on the credit card services. Till date I have no issues and the credit limit is also up to my satisfaction. The banking services has been good as I can make my payments online. There are offers always on my card and the card is accepted all over.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Need improvement in services"
      0.5 4.0/5 "Great!"
      After banking for many years at Kotak Mahindra bank. Only now they have offered me a credit card with a credit limit of 29K. I have just paid my first bill. The bank has not been up to the mark in the customer services though I am a corporate customer.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 14, 2017
    • Kotak Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I am getting the statements with Kotak mahindra Visa credit card. But Its hard to reach the customer service with Kotak mahindra customer support. I got this card around 2 years. It would be great if the customer service is improvised with Kotak mahindra. I would say the service with this Kotak is average.
      Was this review helpful? 0
      , vadodara
      Reviewed on Jun 14, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank has also offered me a credit card and they have given me a decent credit limit. The services are good and when I approach them with a clarification, I get a proper response. The online banking is clear with the transactions I do, so it is easy to identify my details.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2017
    • Kotak Credit Card
      "Average card to use"
      0.5 3.5/5 "Pretty good"
      For last 6 months I am using Kotak Mahindra PVR platinum credit card. I will use this card for Online and offline shopping,bill payments and for other usages. This card is for normal use. The notifications, I am getting with kotak sometimes does delay. I am not satisfied with the credit limit, still they can increase the credit limit. I would say, It is an average card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2017
    • Kotak Credit Card
      "DISSATISFIED"
      0.5 2.0/5 "Expected more"
      I would never want to recommend Kotak Mahindra bank for a credit card. It has been a very poor experience with them. They are not up to the mark, . The credit limit is very low they have just give 15000 rupees and the normal in a month you have a billing of 3 to 4k and I am holding this card for for more than 4 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2017
    • Kotak Credit Card
      "Convenient to use"
      0.5 4.0/5 "Great!"
      I am happy with Kotak Mahindra Bank in terms of my credit card. The credit limit assigned by the bank is pretty good and it is enough according to my usage. But there are no reward points and cash back offers on my card. It would be really great, if they provide enough reward points too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 10, 2017
    • Kotak Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for a credit card and the services has been good till date. There has good offers given to me on a regular basis and it is a life time free card. The statements are clear and I have no issues in using my card online and offline.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 10, 2017
    • Kotak Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card as well at Kotak Mahindra bank and I do not have to pay any kind of charges. The transactions are smooth on the card and I also get SMS alerts about the same on time. The offers are good and the card has flexible EMI options. Overall no hassles.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 10, 2017
    • Kotak Credit Card
      "Very much convenient"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra credit card, I am getting the free movie tickets like buy one, get one. I will be getting good rewards for all transaction, they gave me life time free credit card. Whenever I do any transaction, I check it through Kotak Netbanking.
      Was this review helpful? 2
      , mumbai
      Reviewed on Jun 08, 2017
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    Kotak Credit Card Reward Points is Rated as "Great!" by 839 Users

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    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Kotak Mahindra Bank Credit Cards Reward Points Program Overview:

    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.

    Type of Kotak Mahindra Bank Credit Card

    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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