Credit Card Reward Points | How to Redeem and Check Your Reward Points
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Now you can earn reward points every time you use your Kotak Credit Card. The more you spend, the more you earn.

You can use your reward points to order via kotakrewards.com or via partner stores, partner websites, travel, recharge and more! In case you don’t have enough points on your card, you can always pay the rest directly with your credit card to redeem your selected rewards.

Reward Points on Top Credit Cards

The reward points you can earn on your credit card spend, differs by the type of Kotak Credit Card you own.

For example, on our Royal Signature Credit Card, you can earn up to 4 reward points for every Rs. 150.00 spent; whereas on the Urbane Gold Credit Card, you can earn up to 3 reward points for every Rs. 100.00 spent.

Methods of Credit Card Rewards Redemption

Wondering how to redeem credit card points? You can start redeeming your reward points as soon as you have a minimum of 300 points in your account.

To see your current reward points balance, simply login to kotakrewards.com or access the same via net banking or under the cards overview section in the mobile app.

You can use your reward points for gift vouchers, shopping, recharge, travel bookings, etc. You can redeem your accumulated reward points through different methods that suit your requirements. This includes net banking, the mobile application, and offline purchases!

  • Net banking - Log in with your CRN / Username / Card number & password to Kotak Net Banking. After logging in, you can check and redeem your existing reward points.
  • Mobile application - You can download the Kotak Mobile Banking application via the Apple App Store / Google Play Store. You can then enter your login details to view and redeem your reward points.
  • Offline methods - You can also redeem your credit card reward points for shopping at our partner merchants. You can simply ask the cashier to redeem your points at their terminal and pay the balance by cash/card (if any).

Kotak Rewards Redemption

If you have an eligible debit or credit card issued by Kotak Bank, then you can make your daily shopping experience a rewarding journey.

Visit Kotak Rewards to access and redeem the accumulated points on your Kotak Credit Cards conveniently. You can redeem points through a plethora of options to choose from, including mobile recharges. shopping for over 10,000 products, e-vouchers, travel and more! Kotak Rewards will help you manage everything around reward points with ease.

Frequently Asked Questions

  • How to redeem credit card reward points?

    You can redeem your reward points by visiting kotakrewards.com, net banking, mobile application and even offline shopping via partnered merchants. In case your selected reward needs more points than you have, you can always pay the balance via your credit card.

  • How to check reward points on your Kotak credit card?

    Kotak rewards portal makes managing your reward points a simple task. Just log in to kotakrewards.com, and you can view the total amount of points you currently have and details of your transactions, if any.

  • What types of rewards can I earn on my credit card?

    Ranging from mobile or DTH recharge to e-vouchers, movies, travel bookings and even cashback. If you have an eligible credit card issued by Kotak Bank, you stand a chance to earn all these rewards!

  • Are there any specific requirements to be eligible for claiming rewards?

    You just need to have an eligible credit card issued by us in order to earn reward points. Just remember to have at least 300 reward points in your account before you can start redeeming them.

  • How to check credit card reward points that have been accumulated?

    Log in to your Kotak rewards online account via net/mobile banking, or directly at kotakrewards.com using your CRN and OTP sent to your registered mobile number. After logging in, you can see the amount of points you have currently accumulated.

  • Is there an expiration date for my credit card rewards?

    Yes, there is an expiration date for your existing payback reward points. All the points earned via using the credit card are valid for 2 years from their respective credit date.