Program hub
Kotak Reward Points
Closed-loop catalogue currency — 1 Reward Point = ₹0.25 on products, vouchers, recharges, flight/hotel tickets and partner merchants (Kotak reward-redemption terms); no airline or hotel transfer partners. ₹0.25 is the ceiling; e-vouchers and statement credit sit lower.
₹0.15
Floor
₹0.25
House value / point
₹0.25
Ceiling
—
Trend
Nerf risk: stable No tracker events on record for this program
Expiry: 24 months from the credit date (Kotak card rewards T&C)
Floor = the worst redemption you can always fall back on; ceiling = the best sweet-spot exit. The house value is what a disciplined traveller actually clears.
Every way in
Cards that earn it
What a point has been worth
Derived only from quantified, dated events in the tracker — no interpolation, no vibes.
- 10 Jul 2026 ₹0.25 current house value
- 1 Jan 2019 ₹0.25 program / coverage start — no recorded movement while indexed
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