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 PayByPoints?

PayByPoints feature offers instant redemption of your reward points at merchant outlets/stores. With this feature, your reward points are converted into currency at merchant outlets when you shop with your Kotak Credit Card.

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Can I use the card at any merchant outlet?

This program is currently enabled at selective merchant outlets. Kindly visit www.kotak.com & click on the “PayByPoints” tab under credit card services to view the list of merchants enabled under this program.

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Can Reward points be redeemed by Add-On card member?

No. Reward points can be redeemed only by the Primary card holder.

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Do I have to use my PIN for the PayByPoint redemption?

No, PIN is not required for redeeming of reward points. The merchant will swipe your Kotak Credit Card if you wish to redeem your Credit Card reward points against your purchases.

In case there is any balance amount which is paid using the Credit Card, then the 6 digit card PIN will have to be entered by the cardholder.

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Will my reward points be deducted instantly under this program?

Yes, the Reward Points will be instantly debited from the accumulated Points in the Cardholder's Account.

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