Kotak Credit Card Reward Points: How to Redeem, Rewards Catalogue

Kotak Mahindra Bank has a rewards program that allows you to accumulate reward points on your transactions and convert them into Kotak rewards or exchange them against a wide variety of products or options that are available under Kotak credit card reward points redemption catalogue. However, there are a few things which you must keep in mind before redeeming the reward points earned via Kotak credit cards:

• The value of Kotak rewards varies as per the variant of your credit card
• You can redeem the earned reward points via Kotak rewards portal, i.e., www.kotakrewards.com
• Kotak rewards are non-transferable, not assignable and cannot be pledged

You are required to fill out a reward redemption form to redeem the earned reward points.

To maximize the benefits of earned reward points, it is important to keep a track of them. You can check your reward points balance through mobile or internet banking or through credit card statement sent to you. Below mentioned are the ways through which you can check your Kotak Bank credit card reward points details:

Credit Card Statement: The easiest way to check your reward points balance is your credit card statement. The bank sends you monthly credit card statements that has all the details regarding reward points, such as earned reward points, expiry date and much more.

Net Banking: You can log in to the net banking portal of your credit card provider using your credentials and check all the details regarding earned reward points.

Mobile Banking: You can also download the mobile app of your credit card issuer and check details like reward points balance or expiry date by logging in.

Also read: Top Credit Cards in India

You can redeem Kotak Credit Card Reward Points through both online and offline methods. To redeem the reward points online, you can use the net banking facility provided by the bank. However, if you want to redeem reward points offline, the you need to visit any of the nearest branches of the bank. Here are the details about how to redeem Kotak Credit Card Reward Points:

Redeem Kotak Credit Card Reward Points Online

You can redeem your credit card reward points online via rewards catalogue of Kotak Mahindra Bank. For this, you have to visit the rewards portal of the bank and redeem the reward points against your desired option. Here are the steps that you need to follow to redeem reward points earned on your credit cards:

Step 1: Visit the official website of Kotak rewards catalogue, i.e., www.kotakrewards.com.

Step 2: Choose the category from which you want to make a purchase.

Step 3: Select the items against which you want to redeem your reward points.

Step 4: Log in to your account by using your credentials.

Step 5: Complete the transaction and redeem your reward points.

How to Redeem Kotak Credit Card Reward Points against Cash

The bank also allows you to redeem your earned reward points against cash credit. Follow the below-mentioned steps to avail this facility:

Step 1: Go to Kotak Bank’s net banking page.

Step 2: Enter your CRN/customer ID and password.

Step 3: Choose your credit card that has reward points balance.

Step 4: Select cash for reward redemption and complete the process.

You can use the cash credit to pay the outstanding amount or use it any way you want.

Suggested read: Popular Credit Cards in India

Redeem Kotak Credit Card Reward Points Offline

Apart from the online mode, you can also redeem your Kotak Mahindra Bank credit card reward points through offline mode. To redeem your reward points online, you can call on the Kotak credit card customer care and ask the representative to redeem the reward points against the desired choice. The representative will guide you regarding the redemption process.

Kotak rewards catalogue has a variety of options for the redemption of credit card reward points. From travel to shopping, recharge to flight booking, you can redeem the earned reward points against numerous options. Here are the categories that are available under the rewards catalogue:

*The brands for vouchers change frequently as per the policy of the bank. You should keep a check on the brands as the bank does not send any notification regarding the changes in brands.

Q. How to use Kotak credit card reward points?

A. You can use your credit card reward points to buy items or products from the rewards catalogue. Apart from this, you can also redeem your earned reward points against the vouchers or cash credit. The bank also allows you to use your reward points for hotel or flights bookings through Kotak rewards catalogue.

Q. What is the Kotak credit card reward points value in rupees?

A. The value of reward points varies as per the variant of the Kotak Mahindra Bank Credit Card. The rewards structure for each credit card is different and you can redeem them as per the value set by the bank.

Q. Can Kotak debit cardholder earn reward points?

A. Yes, all the Kotak credit or debit cardholders can earn reward points on their purchases and later redeem them against the items available under the rewards catalogue. However, it is your choice, you can choose the option of buying other products from the catalogue or choose the option of converting Kotak debit card reward points to cash.

Q. When can I redeem my Kotak credit card reward points?

A. You can redeem your reward points as soon as the point balance reflects in your credit card account. However, some points come with an expiry date, so, you should keep a check on them. It is important to carefully read through the credit card agreement and know about the validity and expiry of the reward points.

Q. Can earned Kotak reward points be redeemed by add-on card member?

A. No, the reward points earned on the primary card can only be redeemed by the primary cardholder. The add-on cardholders can redeem the reward points earned on the add-on credit card.

Q. How long are my Kotak credit card reward points valid?

A. Most of the credit card reward points come with a validity of 2 years, which means that the points if not redeemed will expire after 2 years from the date on which they are earned. Remember that the bank will not send any prior intimation regarding the expiry of reward points.