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Kotak Rewards transfer partners
Where your Kotak Rewards can go, at what ratio, and how long it takes. Airline transfers are usually the highest-value redemption — but only at the right ratio.
| Partner | Ratio | Processing | Notes |
|---|---|---|---|
| Accor ALL (ALL Reward Points) | 12:1base Kotak White: 2:1 Kotak Zen Signature: 12:1 White Reserve: 2:1 | — | Accor ALL is Kotak's only published transfer partner. Rates vary by card tier per Accor's official partner page. Zen Signature (earns standard Kotak/Zen Points): 12,000 pts = 1,000 ALL. White and White Reserve (earn milestone-based White Pass value, not standard Reward Points): 2,000 White Pass = 1,000 ALL per Accor's page, though Kotak's own White Pass portal does not surface Accor as an explicit option — treat those card_ratios as medium-confidence. Royale Signature, Privy League Signature, League Platinum, 811 Dream Different, Myntra, and IndianOil are not named on Accor's partner page and are excluded from card_ratios. |
Ratios and bonuses change; verify on the issuer's official transfer page before moving points — transfers are one-way.