Verified 6 Aug
Sahil Awasthi
Asked 9 Jun 2026
I've been using this card for over a year now. In my experience, the rewards are decent but the real value is in the lounge access and the milestone benefits. Make sure to read the fine print on the welcome benefit — most banks only credit it after the first transaction, not on approval.
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I have accumulated around 10,000 reward points on my Kotak Mahindra credit card. What is the redemption value in rupees and the best way to use them?