KOTAK REWARD POINTS

ONLINE REWARDS REDEMPTION TERMS AND CONDITIONS

1. Rewards Program

1. Definitions: In the Kotak Mahindra Bank Credit Card Rewards Program, the following terms shall,
unless the context otherwise admits, have the following meanings:
(a) Program means the Kotak Mahindra Bank Credit Cards Rewards Program;
(b) Reward Points are the reward points awarded under the Program;
(c) Delinquent Account means an account of a Cardholder which has outstandings which are past due
or which, in the opinion of the Bank, has unsatisfactory credit standing;
(d) Valid Charge means a charge incurred by and charged to a Cardholder holding a Card and only
such a Valid Charge shall be taken into account for award of Reward Points;
(e) Domestic Purchases means any purchase in INR currency;
(f) International Purchases means any purchase in non INR currency.

2. The Program
2.1. The Program is a rewards program that enables a Cardholder to earn Reward Points on Valid
Charges incurred on his/ her Card by domestic/ international purchase of goods and services on the Card
and any other charges as may be included by the Bank from time to time for the purpose of the Program.
2.2. The Reward Points are redeemable against the amount due on the Card Account Statement and
other products and services which shall be communicated to the Cardholder from time to time.
2.3. The Program will be available to Cardholders at the exclusive discretion of the Bank, and may vary
from Card to Card. Information pertaining to the Program and/or Reward Points (including without
limitation the form and methodology of redemption of Reward Points etc.) will be intimated to the
Cardholder by the Bank from time to time.

3. Points Accrual
3.1. Points will not be awarded to Cardholders towards transactions pertaining to fuel purchases, railway
transactions, personal loans, cash advances and fees such as joining fee, annual fee, Add-On Card fee,
multiple Card fee, balance transfers, cash advance transaction fee, charges for dishonored cheques,
financial charges, delinquency charges, late payment charges, collection charges and any other fee or
charge levied by the Bank, balance transfers, EMI transactions, cash withdrawals, demand draft and
service charge transactions. Kotak League Platinum Cardholders will be awarded points towards
transactions pertaining to fuel purchases.
3.2. The above list of transactions may be modified by the Bank at its discretion under intimation to the
Cardholder.
3.3. Points accrued by any Add-On Cards will automatically accrue to the Primary Card Account on which
the Add- On Cards are issued and not to any other Card Account.
3.4. The Bank reserves the right to specify the maximum number of Points that will be awarded to a
Cardholder in a given period. The Cardholder will not accrue any further Points for that time period, once
the maximum number of Points as specified by the Bank is reached.

4. Redemption
4.1. All linked Accounts and the Card must be in good standing (i.e. not Delinquent Accounts) and not
cancelled or terminated by the Bank or the Cardholder and the Card should not be temporarily blocked
from usage due to fraud/loss/theft/usage of the Card over the assigned Credit Limit at the time of
redemption. On the Card Account being regularized, at the discretion of the Bank, the Points may be
eligible for redemption.
4.2. The Points can only be redeemed by the Primary Cardholder.
4.3. The Reward Points can be redeemed against following Products or Services: Movie tickets, Travel
Vouchers, Online Shopping, Airmiles or as a credit in the Card Account Statement. The Reward Points
conversion to various categories will be as per the details updated at website i.e. www.kotakcards.com.
Credit in the Card Account Statement will be at rate of conversion specified at website i.e.
www.kotakcards.com and as amended from time to time. This rate of conversion is subject to change with
out notice.
4.4. Selection of services/products offered for redemption is and will be at the sole discretion of the Bank
and is liable to change without notice.
4.5. For Reward Points redeemed against Movie Tickets, Travel Vouchers & Online Shopping, the Bank
will send a voucher code to the registered email id of the Cardholder. The vouchers will be subject to
terms and conditions stipulated by the third party vendors who have issued the vouchers.
4.6. Any dispute related to the vouchers needs to be taken up by the Cardholder with the third party
vendors directly.
4.7. If the Cardholder opts for redemption by way of credit in the Card Account Statement, the Bank
reserves the right to auto-redeem the Rewards Points as and when it deems fit and post
a credit in the Cardholders Account.
4.8. The credit in the Card Account Statement will be posted within 3 (three) working days, from the day
of the redemption request placed with the Banks Customer Contact Centre.
4.9. Redemption orders from Cardholders once given to the Bank cannot be cancelled or withdrawn or
changed.
4.10. On redemption, the Reward Points would automatically be subtracted from the accumulated Points
in the Cardholder's Account.
4.11. Requests will be fulfilled in the order in which they are received and accepted by the Bank.
4.12. If the Cardholder does not have sufficient Points to his/her credit for an order, the request will be
deemed cancelled.
4.13. Any tax or other liabilities or charges payable to the Government of India or any other authority or
body or any other Participating Merchant Establishment which may arise or accrue to the Cardholder by
redemption as aforesaid or otherwise as a result of this Program shall be to the sole account of the
Cardholder.
4.14. In the event of voluntary closure of the Card by a Cardholder, the Reward Points that are in the
Card Account will be cancelled.
4.15. Rewards Points accrued have no cash value and cannot be exchanged for cash.
4.16. A Cardholder cannot transfer any Reward Points to another person or combine the Reward Points
of his other Cards.

5. The Bank reserves the right at anytime, without previous notice, to add, modify or amend all or any of
these terms and conditions or to withdraw this Program altogether.

6. The Cardholder acknowledges and accepts that this Program is entirely voluntary and it is understood
that all charges are voluntarily incurred by a Cardholder in the normal course of Card usage.

7. These terms and conditions shall be in addition to and not in substitution / derogation to the
Cardholder Agreement governing the use of Credit Cards.

8. Nothing contained herein shall be construed as a binding obligation on the Bank or any Participating
Merchant Establishment nor shall amount to a commitment or representation by the Bank to continue this
Program or conduct further similar or other schemes.

9. The existence of a dispute if any regarding this Program shall not constitute a claim against the Bank.

10. The Banks computation of the Reward Points shall be final, conclusive and binding on Cardholders
and will not be liable to be disputed or questioned.

11. Nothing contained in this Rewards Program shall be construed as the Bank having waived any of its
rights (including the levy of interest charges) under these terms and conditions.
Steps to use your PVR Star Pass voucher codes:

The PVR ticket E voucher codes can only be used online at www.pvrcinemas.com to book a free
PVR ticket which is subject to availability.
Select the cinema ( except Directors Cut ,PVR IMAX, PVR Opulent & PVR Mahagun ) , movie,
show , booking class ( except Gold & EUROPA) and seats
On the payment page click on Star Pass tab above the VISA/MasterCard logos
Enter the Coupon Code(s) in CAPITAL letters.

Click on and book your free ticket

The cost of the tickets will be reduced to zero
Pay the balance booking/convenience fees and book your free ticket.

Please note that you can redeem up to 2 Coupon Codes at one time at www.pvrcinemas.com

Steps to Use Your BookMyShow Voucher codes

Login to www.bookmyshow.com
Enter your city
Select the Movie, Date , Cinema and Show time of your choice
Select the ticket type and quantity
Select your seat & Proceed
Click on Proceed to Payment and enter your email address & mobile number
On the Secure Payment page click on Gift Voucher tab located on the left of the screen
Enter the BookMyShow voucher provided to you by the Bank in CAPITAL letters
Pay the balance booking/convenience fees and book your free ticket.
Only 1 voucher code and be used for each booking.

Steps to use your easyrewardz code:

Your Easycode is activated and you should be able to use your code at www.easyrewardz.com
You would be entitled to get easypoints, please follow the below steps
Log in to the website with your easyid and easypin . Click Here

New User:
Create your easyrewardz account on www.easyrewardz.com by clicking on Sign up.
 Login to your easyrewardz account.

Existing User:
If you already have an easyrewardz account, login to your easyrewardz account.

Click on the right side of your screen where there is a green colour tab stating "Claim
EasyCode". And claim your easycode from the same TAB. Put in the code which you
have received from KotakBank in this TAB.
Your EasyPoints will get credited to your account.
After which just buy the products,mobile recharge,flights etc of your choice
If you do not have enough points to buy the product the system will allow you to purchase
with points+cash where the balance you can pay via credit card,debit card or net banking.If
you use Kotak card to purchase you will get kotak points + easypoints for the purchase done
for the cash portion.EasyRewardz will reward you 5 easypoints for every Rs 100 and Kotak
card reward will depend on the card you have .
If you need to check how many points are required to purchase the product click on the rupee
symbol and it will show how many points are required to purchase the same.

Also once you log in, you would receive easyperks!

easyperks is a recognition currency. Members collect easyperks for various actions they perform on
easyrewardz.

These actions include:

1. Registration/Adding your program
2. First time Miles/Points in the program you add get you equal easyperks
3. Inviting friends.

As we introduce more features in the coming months, the ability to collect easyperks will increase more
& more!!

You need not do anything with easyperks, easyrewardz will do it for you..
1. easyrewardz will run frequent promotions where easyperks will get converted into easypoints to
double up your easypoint earning for every cash you spend on easyrewardz portal or easyNetwork of
offline & online merchant partners. Currently we have this promotion running for flight
bookings, easyCharge and Shop.

2. easyrewardz will start a recognition track in the coming days, where collecting a certain no
of easyperks will automatically earn you honors or badges. These honors/badges will make members
feature in the leader-board. The leader-board will be promoted in our social properties, get you surprise
gifts and even give you an opportunity to become a brand ambassador.
Steps to use your MakeMyTrip Voucher Code

How should I use my MakeMyTrip E-voucher codes? The answer is below:

Online:
Login to www.makemytrip.com
Select the flight of your choice and proceed towards the payment page
Enter the voucher code received in CAPITAL in the E-Coupon Code field of the payment page

Important note: You can use only 1 MakeMytrip E-voucher code Per booking .
Across The Counter
Print the mailer received from Kotak Cards that consist the MakeMytrip E-voucher codes
Walk in to the nearest MakeMyTrip office. To locate the nearest branch location Click Here

Important note: Multiple MakeMytrip E-voucher codes can be used per booking
Contact Centre:
Call MakeMytrip Customer Contact Centre on 1860-500-5000 or Toll free number 1800-11-8687
(MTNL /BSNL) or 1800-102-8687 (Airtel)