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


How long are my points valid?

Reward points if not redeemed will expire after 2 years from the date on which they are earned. Bank will not send any prior intimation of reward point expiry to the customer.

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How can I check the reward point balance in my account?

You can log in to Kotak Net banking section and select “Reward Redemption” tab. You may also check your latest credit statement to know your balance point.

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Will I receive a monthly statement with regards to my reward points accrual?

Yes, a monthly credit card statement will be sent to the customers reflecting the transactions done and the reward points accrued during the course of the month. You will not receive separate monthly statement specifically for the reward points.

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Do I need a minimum number of points for redemption?

Pay by point doesn’t have any capping of points. You can use your card points as per your choice.

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Can I club points with card/cash for payment?

Yes, if your points aren’t sufficient during payment at our merchant store you can pay the rest by your credit card or cash.

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