Kotak Rewards (Easy Rewards) portal: what Kotak credit card points are worth and the rules

What is the Kotak Rewards portal and who runs it?

Kotak Rewards is Kotak Mahindra Bank's portal for redeeming card points on flights, hotels, recharges, vouchers, products and cashback. Its pages say "Kotak Bank in association with Easy Rewards", and the footer logo is labelled Revalsys Technologies and Easyrewardz.

The portal's terms say Kotak is only a facilitator: the products and services are offered by the merchants, and you take complaints about a reward to that merchant. Kotak's card terms say the same for vouchers, which follow the issuing vendor's terms, with disputes taken up with the vendor directly.

Which Kotak cards can use Kotak Rewards?

The portal's terms cover Kotak credit cards and debit cards, but cashback is only for points earned on credit cards. Kotak's card terms list the cards in its Reward Points Program, including Royale Signature, Zen Signature, League Platinum, Urbane Gold, Kotak 811, IndianOil Kotak, Mojo Platinum, Essentia and the Kotak UPI RuPay Virtual card.

Some cards have moved off this portal. Kotak's migration FAQ says White credit card points are redeemed only through Kotak Unbox from 30 June 2026, through the Kotak Mobile App. Kotak's Cashback+ guide sends cashback claims to Kotak Unbox at unbox.reward360.in, with a minimum of 100 points. If your app opens Unbox, follow Unbox's rules.

What is Kotak Unbox, and what do Air and Solitaire cards earn there?

Kotak Unbox is Kotak's newer rewards platform, opened from the Kotak Mobile App and hosted at unbox.reward360.in, a Reward360 address. Kotak's migration FAQ says White card points are redeemed only on Unbox from 30 June 2026, and the Air, Air+ and Solitaire terms pay accelerated Air Miles on flights and hotels booked through Unbox.

On those three cards, 1 Air Mile is worth Rs 1 on Unbox flights and hotels. The Air and Solitaire terms value an Air Mile at Rs 0.50 on Unbox vouchers. The Air and Air+ terms cap points at 80% of the booking value, so the rest goes on the card. None of the three allows statement credit or cashback. Air Miles last 3 years. Kotak's White FAQ lists transfers at 2:1 to Air India, Qatar, Etihad, British Airways, Cathay Pacific and Flying Blue, and 3:1 to Accor, Singapore Airlines, United, Air Canada and Marriott Bonvoy, with Singapore Airlines marked as coming soon.

From each card's detailed terms PDF, read 9 November 2026. None of the three earns Air Miles on utilities, insurance, education and government (Solitaire excepts tax payments), rent, fuel, wallet loads, gaming, EMI or cash. Air+ and Solitaire earn none on international spends. The Air+ terms give no voucher value. Air+ Prime was not checked.

What is a Kotak credit card point worth on Kotak Rewards?

Kotak's card terms say the rupee value of your points stays the same on the portal, where they show as Kotak Rewards (KRs) at 4 KRs to Rs 1. So 1,000 points worth Rs 1 each become 4,000 KRs, 1,000 points at Rs 0.25 become 1,000 KRs, and 1,000 points at Rs 0.10 become 400 KRs.

Cashback pays less on several cards. Kotak's table of cashback values, effective 1 June 2025, sets 7 paise to 70 paise a point depending on the card, with a 2,000 point minimum. Its rate for other redemption types on those cards is not in the table, so check the portal price before you redeem.

From Kotak's credit card terms and schedule of charges, PDF dated 30 October 2026, read 9 November 2026.

Is there a minimum number of points to redeem?

The documents disagree. Kotak's card terms say the catalogue needs no minimum, while Kotak's reward points redemption page says you can start once you have at least 300 points.

For cashback, the card terms set a portal minimum of 2,000, 4,000 or 8,000 KRs depending on the card, and a different minimum of 2,000 to 5,000 points if you ask the contact centre. If you do not have enough points for a reward, Kotak's page says you can pay the rest with your Kotak card.

What fees does Kotak Rewards charge on flights?

The portal's FAQ says a processing fee of Rs 250 per passenger per sector applies to flight bookings, so a return trip for one person costs Rs 500 in fees. On cancellation it adds another Rs 250 per passenger per sector on top of the airline's charges.

You can cancel on the portal no later than 3 hours before departure; after that, you contact the airline. Changes are treated as a cancellation and a new booking. The FAQ says refunds where points and cash were debited are processed within 15 working days, and a full refund applies if the airline cancels. Kotak's card terms list no separate redemption fee.

When do Kotak points expire, and what else can cost you points?

Points expire 2 years after the date they are earned, and Kotak's card terms say the bank sends no reminder before expiry. Air Miles last 3 years. The portal's terms say expired points are removed and cannot be re-credited.

Redemptions cannot be cancelled, changed or reversed. Only the primary cardholder can redeem, and you cannot combine points across cards or transfer them. Points on a voluntarily closed card are cancelled. Redemption can be suspended while the card is overdue, blocked or over limit. If a purchase is reversed, its points are taken back on the portal, and Kotak says it may refuse points on already discounted transactions.

How do I log in to Kotak Rewards?

Through Kotak net banking, the Kotak mobile app, or kotakrewards.com, where Kotak's page says you log in with your CRN and an OTP sent to your registered mobile number. The portal itself is at rewards.kotak.bank.in and takes payment through Kotak cards only.

The portal's terms say the email and mobile number you register there are not updated in the bank's records. For help, the portal and the bank list 1800 4100. See points redemption across banks to compare.