How to Redeem Kotak Royale Signature Credit Card Points — Best Options (2026)
3 redemption options compared. Find the best value for your Kotak Reward Points.
Best Redemption Strategy
Redeem via Kotak travel portal for ₹0.50/point — double the cashback value. Focus international spends for higher earn rate.
All Redemption Options
Travel Portal
Best ValueKotak travel bookings portal
Value per point: ₹0.50
Cashback
Statement credit
Value per point: ₹0.25
Product Catalog
Kotak rewards catalog
Value per point: ₹0.20 - ₹0.25
Redemption Portal
Open Kotak Mahindra Bank Rewards Portal →Understanding Point Value
Earn 4 reward points per ₹150 spent. Higher earn on international spends. Annual fee ₹999, waiver on ₹1 lakh annual spend.
Frequently Asked Questions
What is the best way to redeem Kotak Royale Signature Credit Card points?
Redeem via Kotak travel portal for ₹0.50/point — double the cashback value. Focus international spends for higher earn rate.
Can I convert Kotak Royale Signature Credit Card points to cash?
Yes, cashback redemption is available but typically offers lower value per point compared to other options.
Is there a minimum points requirement to redeem Kotak Royale Signature Credit Card points?
Minimum redemption requirements vary by option. Check the Kotak Mahindra Bank rewards portal for specific minimums for each redemption type.
Do Kotak Royale Signature Credit Card points expire?
Reward points expire 3 years from earning date.