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Expiry Rescue

Points about to lapse? Pick your card to see the bank's expiry rule and the best way to use them first.

Kotak Mahindra Bank

Kotak NRI Royale Signature Credit Card

When your points expire

“The Reward Points Program is applicable only to Kotak Infinite Card [...] Silk Inspire Platinum Credit Card and NRI Royale Signature Cards [...] Reward points if not redeemed will expire after 2 years from the date on which they are earned.”

English Rcas · read 2 Nov 2026

Remind me before my points expire

Kotak Mahindra Bank's rule: points are valid for 24 months after you earn them, so some can expire every month. We'll remind you at the start of each month to check what expires and the quickest way to use it.

Add a monthly reminder to my calendar

What your points are worth

  1. On Kotak Mahindra Bank’s own portal

    Revised cashback redemption value: 70 paise per point, effective 1st June, 2025; minimum cashback redemption 2000

    The bank’s words
    “Cashback redemption value on select products: [...] Current Redemption value [...] Revised Cashback Redemption value [...] Minimum cashbac kredempti on [...] Kotak Infinite Card, NRI Royale Signature, Feast, Essentia ₹1 per point [...] 70 paise per point 2000 [...] The changes in the rewards accrual and redemption effective 1st June, 2025, will supersede the earlier terms on accrual and redemption for the listed products.”
    English Rcas

Quickest way to save them

Use them on Kotak Mahindra Bank’s own portal: Revised cashback redemption value: 70 paise per point, effective 1st June, 2025; minimum cashback redemption 2000. See the card’s page.