Celebrate best offers with Kotak Reward Points Redemption programme


Offers that are tailor-made for you.

Kotak Mahindra Bank brings you the best credit card offers which can be redeemed for recharges, bookings, reservations and more. Take a look at how to earn the Kotak rewards to redeem against branded merchandise. Read this article further to know the reward redemption process and the various reward options offered by Kotak Mahindra.

How Do I Earn Points on Kotak Mahindra Credit Card?

Kotak Mahindra Bank enables you to redeem amazing deals by accumulating your reward points on various spends. Learn about the transactions that can earn you points to avail hotel bookings, movie tickets, merchandise and more.

Credit CardReward Points
Kotak Mahindra Bank Urbane Gold Credit Card3x reward points on every INR 100 spent on retail purchase
Kotak Mahindra Bank League Platinum Credit Card8x reward points on every INR 150 spent on special categories
Kotak Mahindra Bank Royale Signature Credit Card4x reward points on every INR 150 spent on special categories

2x reward points on every INR 150 spent on other categories
Kotak Mahindra Bank Delight Platinum Credit Card10% cashback on dining every month by spending minimum INR 10,000 on categories other than dining and entertainment

10% cash back on movies every month by spending minimum INR 10,000 on categories other than dining and entertainment
Kotak Mahindra Bank Solaris Platinum Credit Card5x reward points on every INR 150 spent on online purchase

2x reward points on every INR 150 spent on other purchases
Kotak Mahindra Bank Aqua Gold CardGet 4 PVR tickets or cashback of INR 750 by spending INR 1,50,000 annually
Kotak Mahindra Bank NRI Royale Signature2x reward points on every INR 200 spent outside India

1 reward point on every INR 200 spent within India
Kotak Mahindra Bank Silk Inspire Credit Card5x reward points on every INR 100 spent on apparels with minimum retail spending of INR 7500 in a billing cycle

How Do I Redeem Points on Kotak Credit Card?

The reward points accrued on the Kotak Credit Card can be redeemed by using your net banking account. The reward redemption options that you can choose from are cash, airline tickets, air miles, movie tickets, mobile recharge and branded merchandise.

Follow the steps given to redeem Kotak rewards:

  1. Log in to your net banking account using your CRN number, password and dynamic access code
  2. Click on ‘Credit Cards’ and choose from the reward redemption option
  3. You will be able to successfully redeem your reward points

What Are My Options to Redeem Kotak Reward Points?

Kotak Mahindra Bank offers the following redemption options to redeem your reward points:


Kotak Mahindra Bank provides you with numerous categories to redeem your points. The ‘Merchandise’ section has products and services related to electronics, jewellery, home decor, sports and fitness, travel and more. You can avail these exclusive deals by accumulating Kotak rewards.


You can book flight and movie tickets with your Kotak reward points by logging into the Kotak rewards website. Hotel booking services can also be redeemed by visiting the website and filling in the details like date, place, etc. to book a hotel of your choice.


Now you can also recharge your mobile and DTH connection by using the Kotak rewards.

Frequently Asked Questions (FAQs)

What is ‘myKotakRewards’?

This is a loyalty program where Kotak Mahindra Bank awards its customers with vouchers that can be redeemed by visiting the ‘myKotakRewards’ website.

How can I redeem my reward points against cash? 

Kotak Mahindra enables you to convert your reward points into currency at merchant outlets. You can avail this offer to shop with your Kotak Mahindra Bank Credit Card. 

What is a ‘Special Category’ for redeeming rewards?

The special category consists of travel agencies and tour operators, package tour operators, airlines and air carriers, electric sales, durable goods, and departmental stores. If you spend in these categories, you will receive higher reward points for some credit cards.

Can I redeem my Kotak rewards for more than one passenger while booking flight tickets?

Yes, you can redeem your reward points for 6 passengers at a given time.

Can I cancel or modify my flight bookings?

The ticket once booked cannot be modified or refunded.

What should I do if the merchandise delivered to me is damaged or defective?

You can call the Kotak customer care at 1800-419-6888 within three business days from the date of delivery of the product. The bank will replace the item.

Who should I contact if I have ordered the wrong item?

You can call the Kotak customer care before the order gets processed so that the order can be changed or cancelled.

about CRED

CRED is a members-only platform that rewards the creditworthy individuals of India with exclusive experiences, rewards and upgrades.

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