Since this is a Foreign Currency card, usage is limited only to foreign countries excluding India, Nepal and Bhutan as per RBI guidelines. Redeem your Reward Points Reward Points can be redeemed for Cash, Airline Tickets, Merchandise, Mobile recharge and many more options! If your credit card is lost or stolen, HDFC ERGO General Insurance Company will reimburse the unauthorized charges on your lost or stolen credit card, up to 7 days prior to your first reporting the event to Kotak Credit Card Customer Care...
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