If you have done cumulative Spends of ₹25,001 and above in a month, then rewards will be credited to your account within 3 days from the date when the cumulative spend transaction reaches ₹25,001/-. In case, eligible spends are less than ₹ 25,001/- in a month then the reward points will get credited to your Kotak Rewards Account latest by 5th day of the next month.