Card · points stay put
Kotak White Reserve: points stay put
Its points spend inside the bank's own catalogue. Nothing it earns can become an airline or hotel booking through a transfer.
Kotak points redeem in its own catalogue; no transfer partners.
What this means
The bank prices each redemption itself: vouchers, merchandise, or a credit against the bill. No airline or hotel takes these points by transfer, so they never reach an award chart, and nothing on this site can price them as flights.