Kotak Mahindra Bank credit cards have a growing user base but many cardholders don't realize their reward points have real cash value. Whether you hold a Privy League Signature, 811 card, or League Platinum — this guide reveals what each point is actually worth and how to get maximum value.
Kotak Cards Value Table — 2026
| Card | Earn Rate | Per Point Value | Cashard Rate |
|---|---|---|---|
| Privy League Signature | 4 pts/₹150 | ₹0.25–0.30 | ₹0.25–0.30 |
| League Platinum | 2 pts/₹100 | ₹0.20–0.25 | ₹0.20–0.25 |
| 811 Credit Card | 2 pts/₹100 | ₹0.15–0.20 | ₹0.15–0.20 |
| Dream Different | 1 pt/₹100 | ₹0.15–0.20 | ₹0.15–0.20 |
Redemption Options Compared
Bank Catalogue
Kotak's reward catalogue offers merchandise, travel bookings, and gift vouchers. Average value: ₹0.15–0.20 per point. Not the best option.
Amazon/Flipkart Vouchers
Converting to e-vouchers gives ₹0.18–0.22 per point. Better than catalogue but still below Cashard rates.
Sell on Cashard (Best Value)
Cashard pays ₹0.20–0.30 per point in direct cash via UPI. This is typically the highest-value option for Kotak cardholders.
Kotak points expire 2 years from the date of earning — one of the shorter expiry periods among Indian banks. Set a reminder to sell or use your points before the 18-month mark to avoid losing value. See full expiry rules →
How to Check Your Kotak Points Balance
- Log in to Kotak Mobile Banking app
- Go to Cards → Select your credit card
- Tap "Reward Points" to see your balance
- Or call 1860-266-2666 for balance over phone
How to Sell Kotak Points on Cashard
- Visit Cashard's Kotak selling page
- Enter your points balance
- See your instant cash quote
- Submit your details — cash via UPI within 24 hours
Frequently Asked Questions
Sell Your Kotak Points Today
Instant cash quote. No login required. 24-hour UPI payout.
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