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Kotak Mahindra Bank Credit Card Reward Points

Shopping is considered a retail therapy, often just heading out and looking around can provide bliss to a stressed mind. With e-tailing growing by leaps and bounds over the year, this type of stress-buster activity can be carried out right at the comfort of our couches.

With the lowering cost of various items, increased disposable income and easy finance availability, the frequency of buying things, be it clothing, electronic goods, lifestyle goods etc., has increased manifold. Credit cards has evolved the way shopping is done, it brought to the fore, ‘buy now, pay later’ concept which appealed to the younger generation who are always seeking instant gratification.

Kotak Mahindra Bank is one of the most reliable names to reckon, they offer customized solutions to their customers. They have a range of credit cards which suit the various strata of customers that they cater to. Kotak Mahindra credit card have reward schemes, which help the cardholder to accumulate reward points which can be redeemed under various categories. This ensures that the cardholder’s cash outflow is lower over the long haul. It is also a means to encourage the cardholder to make cashless transactions.

Kotak Mahindra Bank Credit cards

When Kotak Mahindra Bank offers a Credit Card, it is evident that the credibility and the eligibility of the customer has been duly verified. The type of Kotak Mahindra Bank credit card extended would be inline with these aspects. Various Kotak Mahindra Bank credit cards have various Reward schemes. These schemes enable the cardholder to Earn Rewards from HFDC Bank with every spend in each category. Here is a look at the various types of credit cards issued by Kotak Mahindra Bank.

Essentia Platinum Credit Card

10% cashback on departmental and grocery store spends

10 reward points for every Rs. 100 spent at department and grocery stores

1 reward point for every Rs. 250 spent on other categories

Redeem points under multiple categories

Priority customer services under KASSIST – can reach over phone or SMS KASSIST to 5676788

Add on card available

Spend of Rs. 1.25 Lakh every 6 months would provide 6 free PVR tickets or 1200 reward points

Royale Signature Credit Card

Airport lounge access

4x reward points on Rs. 150 spent in all special categories

2x reward points on Rs. 150 spent in other categories

Special categories include hotels, restaurants, travel, airline ticket booking, international spends

Enhanced security with credit card insurance cover of Rs. 2.5 Lakh upto 7 days prior to reporting for any fraudulent usage

Priority attend with KASSIST

Fuel surcharge waiver for transactions between Rs. 500 – Rs. 3000

Railway surcharge waiver allowed to a maximum of Rs. 500 per year

Add-on card available

PVR Gold Credit card

1 PVR ticket free for every Rs. 10,000 spent in monthly billing cycle

2 PVR tickets for every Rs. 15,000 spent in monthly billing cycle

PVR shield which offers insurance on stolen cards to the extent of Rs. 70,000 on PVR Gold card

Add-on card available

Aqua Gold credit card

Credit limit upto 80% of the term deposit amount

High credit limit upto Rs. 12 Lakhs or 90% of your account balance

Interest free cash upto 48 days throughout the year

Balance transfer with processing fee of Rs. 349/ per Rs. 10,000/- (can transfer other credit card balances to this card)

Insurance cover to the extent of Rs. 50,000/- on lost card (covers 7 days prior to reporting of lost card)

Add on card available

Rs. 1.5 Lakh spend in a year eligible for 4 PVR tickets or Rs. 750 cash back

PVR Platinum Credit card

2 PVR ticket free for every Rs. 10,000 spent in monthly billing cycle

PVR shield which offers insurance on stolen cards to the extent of Rs. 75,000 on PVR Platinum card

Add-on card available

Wealth Management Infinite Credit card

Minimum credit limit of Rs. 10 Lakh; instant credit limit increase

Access to International events

Complementary tee-offs at some of the finest golf courses in India and around the world

24 free PVR movie tickets in a year

Visa lounge access

Instant assistance through premium concierge services – hotel and dining reservations, flight booking assistance, event and program ticket booking, spa and fitness club membership assistance, referral assistance

Fuel surcharge waiver of 1% at all petrol pumps in India

Railway surcharge waiver of 1.8% to 2.5%

Priority assist through KASSIST

Insurance cover to the extent of Rs. 5 Lakh

Immediate card replacement within 24 hours across the globe

Delight Platinum Credit card

10% cashback on dining

10% cashback on movies

Fuel surcharge waiver applicable on transactions between Rs. 400 and Rs. 4000

Maximum fuel surcharge waiver allowed during a calendar year Rs. 4500

Railway surcharge waiver to a maximum extent of Rs. 500

4 PVR movie tickets or Rs. 750 cashback for spend of Rs. 1.25 Lakh every 6 months

Maximum of 8 free tickets or Rs. 1500 cashback every year

Insurance to the extent of Rs. 1.25 Lakh with 7 days prior reporting covered

Add on card available

Fortune Gold credit card

Easy access cash through any Visa ATMs

Interest free cash upto 48 days available in a year

Cash transfer from other credit cards at Rs. 199 for every Rs. 10,000

High cash limit access – 50% of credit limit

Fuel surcharge waiver for transactions between Rs. 500 and Rs. 3000

Insurance to the extent of Rs. 50,000 with 7 days prior reporting covered

Add-on card available

Best price credit card

14 day credit cycle for every transaction

Purchase can be made with best price wholesale store

Upto 2 Add-on cards available

No joining fees

Provision to track add on card activity separately

Spend limit can be set for add-on card

Solaris Platinum Credit card

5x reward points on every Rs. 150 spent on online purchases

2x reward points on every Rs. 150 spent on other purchases

Fuel surcharge waiver for transactions between Rs. 400 and Rs. 3500, upto maximum Rs. 100 per monthly billing cycle

Railway surcharge waiver for calendar year upto Rs. 500

Add-on card available

Insurance to the extent of Rs. 1.25 Lakh with 7 days prior to reporting covered

Corporate Wealth signature credit card

Higher cash back earnings

Interest free funds available for 48 days in a year

Fuel surcharge waiver between Rs. 500 – Rs. 3000; Maximum fuel surcharge waiver for a year is capped at Rs. 3500

Railway surcharge waiver available for a maximum of Rs. 500 every year

Easy redemption option

Customized with company name

Corporate Platinum credit card

Access to airport lounge (2 per year)

Interest free funds available for 48 days in a year

International acceptance – over 10 million merchant partners across the globe

Fuel surcharge waiver between Rs. 500 – Rs. 3000; Maximum fuel surcharge waiver for a year is capped at Rs. 3500

Railway surcharge waiver available for a maximum of Rs. 500 every year

Easy redemption option

Consolidated billing under company name

Free card replacement

Business event booking assistance

Skill Inspire credit card

5x reward points on Rs. 100 spent on apparels

Maximum retail spends in billing cycle Rs. 7500

1 reward point for every Rs. 200 spent on other categories

Exclusive offers on shopping, dining, travel, entertainment and more

Fuel surcharge waiver across all petrol pumps in India

Insurance of Rs. 75,000 with 7 days prior reporting cover

Add on cover available

4 PVR tickets for Rs. 1.25 Lakh spend in 6 months or 1000 reward points

Privy league signature credit cards (Optima & Prima)

5X Reward Points on select categories like apparels, jewelry, consumer durable, restaurants, departmental stores

2X on all other retail spends

5X Reward Points on select categories like airlines, hotels, restaurants, international spends and travel agencies

2X on all other retail spends

Value of each reward point is 25 paisa

Fuel surcharge waiver between Rs. 400 – Rs. 4000; Maximum fuel surcharge waiver for a year is capped at Rs. 4500

Railway surcharge waiver available for a maximum of Rs. 500 every year at 1.8% - 2.5%

Low monthly interest rate of 2.49%

Insurance to the extent of Rs. 2.5 Lakh with 7 days prior reporting cover

Priority attend with KPRIVY customer support which can be accessed through SMS or call

Privy league signature credit card (Insignia)

5x reward points for every Rs. 100 spent in special categories

2x on all other retail spends

Two plans available – Shopper’s plan and Traveler’s plan

Special categories – apparels, airlines, grocery, duty free, hotels, international spends, multi-brand online, departmental stores, consumer durables

Reward points can be redeemed under categories – movies, easy points, airmiles

Access to airport lounges

4 complimentary PVR tickets per quarter if monthly bill is a minimum of Rs. 1000

Value of each reward point is 25 paisa

Fuel surcharge waiver between Rs. 400 – Rs. 4000; Maximum fuel surcharge waiver for a year is capped at Rs. 4500

Railway surcharge waiver available for a maximum of Rs. 500 every year at 1.8% - 2.5%

Priority attend with KPRIVY customer support which can be accessed through SMS or call

Low monthly interest rate of 2.49%

Insurance to the extent of Rs. 2.5 Lakh with 7 days prior reporting cover

NRI Royale Signature credit card

2x rewards on spends outside India; earn 2 reward points for every Rs. 200 spent

Earn 1 reward point for every Rs. 200/ spent within India

Redemption options include movie tickets, air tickets, airmiles, cash and more

Fuel surcharge waiver between Rs. 300 – Rs. 3000; Maximum fuel surcharge waiver for a year is capped at Rs. 3500

Railway surcharge waiver available for a maximum of Rs. 500 every year

Insurance to the extent of Rs. 2.5 Lakh with 7 days prior reporting cover

Add-on gift card available

Feast Gold credit card

10 dining points for every Rs. 100 spent on dining outlets

Easy access at coffee shops, pizza joints, pubs, theatres etc.,

Balance transfer at a processing fee of Rs. 349 per Rs. 10,000

Insurance to the extent of Rs. 50,000 with 7 days prior reporting cover

Add on card available

Corporate Gold credit card

Redemption available every quarter

Fuel surcharge waiver for transactions between Rs. 500 – Rs. 3000; Maximum fuel surcharge waiver for a year is capped at Rs. 3500

Power to company to control costs

Universal acceptability – over 10 million merchant partners across the world

Digital currency payments to businesses, banks, Government and merchants

Interest free funds for 48 days in a year

League platinum credit card

Upto 8x on annual spends of Rs. 2 lakhs for special categories spend

Upto 4x on other categories

Special categories include Travel, Air ticket booking, electric sales, durable goods, departmental stores

Movie voucher worth Rs. 500 as joining gift

Priority attend under KASSIST customer service scheme

Fuel surcharge waiver between Rs. 500 – Rs. 3000; Maximum fuel surcharge waiver for a year is capped at Rs. 3500

Insurance to the extent of Rs. 1.25 Lakh with 7 days pre-reporting coverage

Add – on card available

4 free PVR tickets or 1000 reward points if Rs. 1.25 Lakh is spent within 6 months

Urbane Gold credit card

3x reward points against every Rs. 100 of retail spend

1000 reward points = Rs. 75

Insurance of Rs. 75,000 with 7 days pre-reporting coverage

Add on card available

4 free PVR tickets if Rs. 1 Lakh is spent within 6 months

How to redeem reward points?

Reward Points Redemption Conversion can be done by filling Kotak Mahindra Rewards Redemption Forms and making an online submission or Kotak Mahindra reward points can be redeemed online by logging into their official website. The ‘redeem’ tab has to be clicked, there are multiple categories from which you can choose the one that his relevant – Merchandise, Movies, E-voucher, Air ticket, Hotel. Kotak Mahindra Reward Catalogue is displayed under each category, based on the Kotak Mahindra credit card reward points gift list, one can redeem the points. Minimum points that can be redeemed is 1000. There are few cards issued by Kotak Mahindra Bank which offer Kotak Mahindra reward points to cash conversion. The cash is just added back along with credit limit and will reflect in the bill in the subsequent month. This will merely enhance the credit limit.

Kotak Mahindra Credit Card Reward Points Frequently Asked Questions

1. What You Can Redeem From Kotak Mahindra Rewards Points?

Merchandise, movies, e-voucher, air ticket, hotel and recharge are some of the categories under which reward points can be redeemed.

2. How to Block Kotak Mahindra Credit Card Rewards Points?

The card holder needs to call the customer care Centre (1860 266 2666) and get your credit card deactivated / blocked to prevent misuse and register a claim with the Insurance Company

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