Popular Products
Show More
Quick Help
Show More
Frequently Asked Questions
Show More
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.
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.
No. Reward points can be redeemed only by the Primary card holder.
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.
Yes, the Reward Points will be instantly debited from the accumulated Points in the Cardholder's Account.
The ratio of PayByPoint conversion is similar to cash back conversion.
Yes, you will receive an SMS which will hold the details of your point redemption.
No. This is a redemption transaction and hence is not entitled to earn reward points
Once redemption is done, it cannot be rolled back.
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.
This service is provided by third party vendor. The Bank reserves the right to add/ discontinue any merchant/ service provider without informing its customers. Selection of services/products offered for redemption is and will be at the sole discretion of the Bank and is liable to change without prior notice.
The Bank may tie-up with third party service providers to offer their services to Cardholders at a discounted rate. The Bank makes absolutely no representations about the quality of their services and will not be responsible if the service in any manner is deficient or unsatisfactory.
You can earn reward points based on the type of credit card you hold. The rate of earning points varies from one card to another. For further details please visit www.kotak.com
a. Shop for your favorite products
b. Contact Cashier
c. Ask Cashier to redeem your Kotak Credit Card reward points at the merchant terminal
d. Swipe your Kotak Credit Card
e. Pay the balance amount (if any) by card
You can redeem your reward points at merchant outlets when you shop at stores like Natures Basket, Globus, Clarks and more. For store details, visit (link).
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.
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.
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.
Pay by point doesn’t have any capping of points. You can use your card points as per your choice.
Yes, if your points aren’t sufficient during payment at our merchant store you can pay the rest by your credit card or cash.
You can redeem your points as soon as the reward point balance reflects in your Kotak Credit Card account.
Kindly call Kotak Customer Contact Center @ 1800 266 2666(Local call charges apply) and raise a complaint.
Kindly check in net banking or call customer contact center @ 1800 266 2666(Local call charges apply) to know whether your card is enabled under the program and is free from any blocks.
Cardholder cannot transfer/club any Reward Points to another person or combine the Reward Points of his other Cards.
The detailed terms and conditions can be viewed at www.kotak.com. Click on Credit Card T& C under clause 4. (General Terms and condition for Rewards Program)
Help Center
