Please refer the below information: The Kotak NRI Credit Card gives you accelerated reward points and the freedom to redeem these points across any shopping that you do. Cardholders can redeem their reward points online at www.kotakcards.com/rewardredemption for a host of benefits like Movie tickets, Air tickets, Air miles, Cash and more . While traveling to India, save the mark up fee charged on your credit card issued outside India or the hassles of currency exchange. Enjoy the benefit of paying for your purchases, travel and dining in Indian Rupees. Besides this, enjoy a complete hassle free process on the reward points and fuel surcharge waiver at any pump, complete railway surcharge waiver & exciting EMI that no one else offers.