Pay with Credit Card Reward Points and Enjoy Benefits Offered by Kotak Bank

Pay with Reward Points

Make your shopping more joyful with Kotak PayByPoints. With it, your reward points are converted into currency at merchant outlets when you shop with your Kotak Credit Card. How it works?
 

  1. Shop for your favourites

  2. Contact Cashier

  3. Ask Cashier to redeem your reward points at the merchant terminal

  4. Pay the balance amount by cash/card (if any)


So, go ahead, shop with your reward points at our partners such as click here

Our Partners

Frequently Asked Questions

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What is the ratio of points conversion in the PayByPoint program?

The ratio of PayByPoint conversion is similar to cash back conversion.

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Will I get any communication post successful redemption?

Yes, you will receive an SMS which will hold the details of your point redemption.

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Will I earn reward points if I swipe my card against using my Reward Points?

No. This is a redemption transaction and hence is not entitled to earn reward points

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Can I cancel or roll back the redemption once done?

Once redemption is done, it cannot be rolled back. 

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Can I dispute the pay by point redemption?

Since the redemption is possible only with your physical card swipe at the Point Of Sale, any dispute related to the program needs to be taken up by the Cardholder with the merchant directly. Hence no dispute will be entertained by the Bank.

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