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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.
About Kotak Mahindra Bank Credit Card Reward Points
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 |
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| 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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