The Kotak Urbane Gold Credit Card rewards you with more points than most other cards every time you swipe. Choose how you want to redeem your points across any shopping you do. Cardholders can avail 3 reward points for every Rs.100 spent .Reward points are redeemable online at www.kotakcards.com/rewardredemption. Use them for Air tickets, Air miles, Movie tickets, Cash and more.