What is Kotak Rewards Programme on Silk/Alpha/Grand accounts?

Kotak Rewards is a Rewards programme wherein you get rewards based on the Spends done in a calendar month. You can then redeem these rewards across various categories by visiting Kotak Rewards portal www.kotakrewards.com. Kotak Rewards is currently only for savings accounts customers opened with Promo codes Silk/Alpha/Grand.

When does the Rewards gets credited in my Kotak Rewards Account?

If you have done cumulative Spends of ₹25,001 and above in a month, then rewards will be credited to your account within 3 days from the date when the cumulative spend transaction reaches ₹25,001/-. In case, eligible spends are less than ₹ 25,001/- in a month then the reward points will get credited to your Kotak Rewards Account latest by 5th day of the next month.

How to login to the portal?

Go to www.kotakrewards.com >> Click on Menu >> Login >> Enter your CRN >> Enter OTP( OTP is sent to registered mobile number & email ID) >> Submit & Login

How to check the total available points?

Login to Kotak Rewards Portal, total KR Points is available in Home Page (below Burger Menu option). Points accrued against each card is available in the Cards Section.

How to check expiry of points?

Expiry of Points will be available next to total KR points in the Home Page. Points expiring against each card is available in the Cards Section.

Can I redeem my points for Cashback?

No, cashback option is available only for Credit Cards.

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Silk Platinum Debit Card

The Kotak Silk Platinum Debit Card has been designed keeping in mind the needs of the new age Woman. It comes with a host of offers on brands across categories, reward points on debit card spends and features that will ensure utmost convenience.

Daily purchase limit – Rs. 2,00,000

A domestic daily ATM withdrawal limit- Rs.40,000
An international daily ATM withdrawal limit- Rs. 50,000

Personal Accidental Death cover of up to Rs.15,000,00*

Rewards on all your Silk Platinum Debit Card Spends

Minimum Spends per month	Reward Points per month 1 Kotak Reward point=Rs 0.25
Rs. 7,500 - Rs. 15,000	400
Rs. 15,001 - Rs. 25,000	1000
Rs. 25,001 & above	1500

Minimum Spends per month

Reward Points per month
1 Kotak Reward point=Rs 0.25

Rs. 7,500 - Rs. 15,000

400

Rs. 15,001 - Rs. 25,000

1000

Rs. 25,001 & above

1500

Terms and conditions

Rewards are subject to meeting of minimum spends criteria. Spends should be on domestic merchant transactions using Debit Card. The reward points will be credited every month for the previous calendar month in your Kotak Rewards account. Validity of reward points will be 1 year from the date of credit. Details of the same will be communicated through email on registered email id and SMS on registered number. ATM cash withdrawals are not eligible for Rewards. Accrued Reward Points for the last month’s spends will be available in Kotak Rewards Portal latest by 15th of the subsequent month

Disclaimer

In line with RBI guidelines, Kotak Debit Cards issued from 1st Oct’20 can only be used at domestic retail outlets for payments and ATMs, to know how to enable:

Domestic Online payments: Click here for Debit Cards issued from 1st Oct’20 – 6th Jan’21 and for cards issued from 7th Jan’21, click here

International usage, Contactless payments & Tokenization click here