IOB Rewardz | Frequently Asked Questions


What is IOB Rewardz?
IOB Rewardz is an exclusive loyalty program initiated by Indian Overseas Bank for its customers. The program aims to reward customers with points accumulated over POS (Point of Sale) and ecommerce transactions using their IOB Debit Cards. Customers can redeem their earned points for a wide range of consumer products & services.
What are the benefits of IOB Rewardz?
  • Use IOB Debit Card for shopping, dining, watching movies, paying bills and more.
  • Get IOB Rewardz Points on every spend made using IOB Debit Cards.
  • Redeem your IOB Rewardz Points on wide range of merchandise, movie, air tickets, mobile/DTH recharge & more.
How do I become a member?
Every IOB Debit Card holder is pre-enrolled for the IOB Rewardz loyalty program. However, to activate this account, one needs to follow a process of registration at
How do I activate my account?
You can activate your account by visiting and clicking on the “First Time User” section. You will have to provide your Debit Card registered with the bank to activate your IOB Rewardz account.
Can I join IOB Rewardz if I live outside India but I am an Indian citizen?
As long as you hold an IOB Debit Card, you can join IOB Rewardz program.
Is IOB Rewardz open for Non- Indian citizens?
Yes, if you are resident of India and hold an IOB Debit Card, you are automatically enrolled as a member of IOB Rewardz program.
What is the postal address to write to IOB Rewardz?
The Qube, A-703,MV Road, Marol, Off Andheri-Kurla Road, Andheri (E), Mumbai - 400059, India
How do I earn IOB Rewardz Points?
As an IOB Debit Card holder, you can earn & accumulate IOB Rewardz Points for all your Spends at Point of Sale (POS) and online purchases using IOB Debit Card. The point accumulation will be based on the following structure:

Rules for Debit Card

Slabs Amount spent per month Classic and Gold Cards
(No. of Points Rewarded)
Platinum And Signature cards
(No. of Points Rewarded)
1 Upto Rs. 20,000/- 1 Point/ Rs. 100 spent 1.25 Points/ Rs. 100 spent
2 Rs. 20,001 to Rs. 40,000/- 1.5 Points/ Rs. 100 spent 1.75 Points/ Rs. 100 spent
3 Rs. 40,001 and Rs. 1,50,000/- 2.0 Points/ Rs. 100 spent 2.25 Points/ Rs. 100 spent

  • Using your IOB Debit Card for withdrawing cash at ATMs will not lead to accrual of IOB Rewardz points
  • No IOB Rewardz points will be awarded for any Mutual Fund, Insurance Payments, Tax Payment Transactions
  • We are allotting additional bonus points to first time usage at PoS/Ecom (for newly issued Cards) details are:

    - For First usage of the card within 2 months of issue: 100 points

    - For 5 times usage in POS/ECOM for an aggregate amount of Rs.10,000 within first 2 months of issue: 100 points

Will I earn points on all spends using my IOB Debit Card?
Using your IOB Debit Card for withdrawing cash at ATMs will not lead to accrual of IOB Rewardz points. Also, IOB Rewardz points will not be awarded for Mutual Fund Transactions, Insurance payments and Tax payment Transactions.
You will earn points on all other spends using your IOB Debit Card.

Total transaction eligible for reward points is INR 150,000 per month. No points will be posted for transaction accumulating above 150,000.
Where can I earn IOB Rewardz Points?
You can earn IOB Rewardz Points anywhere in India and overseas by making payments using your IOB Debit Card.
What is the validity period of IOB Rewardz Points?
Your IOB Rewardz Points are valid for a period of 12 months or 1 year excluding the month of accrual. Additional points earned at Partner Stores are valid for a period of 12 months or 1 year excluding the month of accrual.
What is the value of 1 IOB Rewardz Point?
Value of 1 IOB Rewardz Point is 25 paisa.
How do I redeem my IOB Rewardz Points?
You can redeem your IOB Rewardz Points for thousands of merchandise items, movie, bus & air tickets, mobile/DTH recharge & more. To redeem log on to or call IOB Rewardz customer care at 1800-419-0559. (Operational days & hours: Monday to Saturday, 9 AM to 6 PM).
Why has not been my reward delivered as yet?
All rewards will reach you within the delivery time specified on the website. If it has exceeded 5 days since the date mentioned on your redemption request receipt, please call IOB Rewardz customer care at 1800-419-0559.
Can I combine IOB Rewardz Points and cash for redemption?
No, IOB Rewardz is a pay by points portal, where you can redeem your points for various redemption options.
My computer/ the site/ the application crashed just when I was redeeming. How can I know if the order was successfully placed?
Please restart your computer/ Log in to web page and check my request page. If the redemption request was successful it will reflect in “Request” section on
Do I need any minimum number of points for redemption?
Yes, you need to have a minimum of 500 points in your account for the first redemption and thereafter a minimum of 200 points.
Do I need to log onto my account to redeem my points?
Yes, to redeem your points, you need to register on and sign in.
I don’t feel like registering for IOB Rewardz. Can I still buy Merchandise and avail services on the website?
No, it is necessary to be registered on to redeem and avail services on the website.
Is there any redemption threshold on IOB Rewardz?
Yes, for the first time redemption, a member needs to have at least 500 IOB Rewardz points in his account.
Can I book both international and domestic flights?
Yes, you can book domestic as well as international flights on
Can I redeem IOB Rewardz Points for more than one passenger?
Yes, you can redeem IOB Rewardz Points for up to 6 passengers at any given point of time.
Can I book tickets for infants on IOB Rewardz?
Yes, you can book one infant per adult on IOB Rewardz. The age of infant must be below 24 months on the date of travel. Make sure you carry valid proof–of–age documents at the time of check-in. The infant is not awarded a seat on the flight and has to travel with the accompanying adult.
What’s an e–ticket?
An e–ticket (electronic ticket) is a paperless electronic document with a unique confirmation number that neatly replaces the hassles of a paper ticket. When you purchase an e–ticket, we email it to you within 30 minutes of your booking. Simply print it out and bring it with you – along with a valid photo ID – to the airline counter when checking in for your flight.
I did a search for flight tickets and selected my flight. However, after providing the passenger details, I see that the fares have increased. Why?
The airline fares are dynamic in nature and are based on availability of the seats on the particular flight. There are always chances that the seats selected by you may get sold till the time you complete your booking. Therefore, to minimize the chances of booking failures, we check the availability of the seats before you proceed with the payment. If you find that the fare has increased at this step, you have the option of going ahead with the booking or refresh the search.
How do I know my reservation was booked?
We’ll send you an SMS (to Indian numbers only) and an email to confirm your flight booking.
Can I redeem IOB Rewardz Points to gift an Airline ticket(s)?
Yes, you can easily gift airline tickets to friends / family. However you need to make the booking in the name of passenger(s) who would be travelling. Please note that air tickets are non - transferable.
What is the minimum time frame within which I need to redeem before I fly?
There is no minimum time frame for redeeming your IOB Rewardz Points. You can redeem your IOB Rewardz Points for a flight departing on the same day.
How do I get a boarding pass for an e–ticket?
You can check-in in three ways. Some of the airlines provide a web check-in facility, where you can select your seat and print your boarding pass online. If you use this facility, you will have to approach the check-in counter to drop your baggage.
You can also check-in using Tele check-in service provided by some of the airlines. In such cases, you will have to present your ticket and ID proof at Airline check-in counter for issuance of boarding Card and for baggage drop. Alternatively, you can check-in physically at the airport counters of the airline by presenting your ticket and ID proof.
Do I have to show my e–ticket confirmation email at the airline check–in counter?
Yes, you do. Some airports don’t allow you to enter without a printout of your e–ticket, so be sure to carry one with you. If you’ve forgotten to carry your e–ticket printout, you can contact the airline ticketing counters at the airport to issue a duplicate itinerary receipt.
Do you issue paper tickets?
No, we do not issue paper ticket.
Do I have to show ID proof at the time of check–in?
Yes. The airline and airport authorities may or may not check your ID proof but we strongly recommend that you carry a government–issued photo–id proof with you whenever you fly.
How do I find out my baggage limit?
Please contact the airline directly or visit their website for accurate details regarding baggage limit.
I’ve booked my tickets but need to add my child’s tickets to my booking. How do I do it?
Sorry! We do not allow child below 12 years to be booked individually. Please contact your airline to create the booking of child directly with them.
I misspelled my name while booking a ticket. How do I get it changed?
You can call us to check if the airline you’ve booked with entertains change–of–name requests. Most of them do, and we can pass on your request. However, if the airline doesn’t allow it, you’ll have to cancel and re–book the ticket.
I selected the wrong prefix (Mr. /Mrs.) to a passenger’s name while booking. How can I get this changed?
Just call IOB Rewardz Customer Care at 1800-419-0559 give your Booking Ref No. We’ll find out if your airline supports title change and if it does, we’ll pass on your details to them. If the airline doesn’t allow title change you’ll have to cancel and then re–book the ticket with the correct title.
I’m taking a connecting flight. Will I need to change terminals?
In most cases, you will need to change terminals in order to board your connecting flight. Often the terminals are quite distant from each other and you’ll need to set aside some extra time to walk from one terminal to another.
Please make it a point to enquire about your terminal as soon as you arrive at the airport, since gate numbers and terminals can change at the last moment.
In that case I’m worried that I won’t have enough time and miss my connecting flight?
If you’re concerned that you may not have enough time between your flights, please contact IOB Rewardz Customer Care at 1800-419-0559. They’ll tell you the duration of your transit and how long it will take you to go from one terminal to another.
Can I book international tickets for infants on IOB Rewardz?
Yes, you can book tickets for infants and children on IOB Rewardz. However, we do not yet book tickets for unaccompanied minors. When booking international flights for infants, please keep these points in mind:
  • Every passenger (including infants and minors) requires a valid passport.
  • Infants and children must be accompanied by an adult at least 18 years old.
  • You can book no more than one infant (under 2 years) per adult. But one adult can fly with a child and an infant.
  • The infant must be under 24 months of age while travelling the outbound sector to qualify for an infant fare.
Can I book a seat on an international flight for an infant?
As a child under 2 years of age does not legally require a seat to fly, it’s really up to you to decide whether the infant should have a seat or no. Which is the reason why the cost of a ticket for an infant is different from the cost of a ticket for a child who is more than 2 years old (children over the age of 2, however, must have their own seat). To book a seat for an infant, please select child at the time of search and the cost will be provided.
How much baggage can I carry?
Cabin and checked-in baggage limit varies from airline to airline. Some airlines have baggage weight restrictions and others have a specific number of pieces permitted. Please note that restrictions on baggage apply to both checked–in bags as well as cabin baggage. Often, you’ll be asked to pay for any checked–in luggage that exceeds the weight permitted. Cabin luggage that exceeds the weight limit is not permitted and will have to be checked in. Please check with your airline.
Can I book a special meal through IOB Rewardz?
Sorry, IOB Rewardz website currently does not support this feature. Please contact the airline directly.
Can IOB Rewardz arrange for wheelchairs?
Sorry, IOB Rewardz website currently does not support this feature. Please contact the airline directly.
How can I cancel my redemption for the flight ticket?
Once redeemed for, the air tickets are non-refundable, non-changeable and non transferable.
What happens if my flight is cancelled or delayed?
You will need to check with the airline with which you have booked your seat(s). Delays/cancellations are governed by the respective airline policies.
Can I redeem IOB Rewardz Points for more than one passenger?
Yes, you can redeem IOB Rewardz Points for up to 6 passengers at any given time.
Can I redeem IOB Rewardz Points to gift a Bus ticket(s)?
Yes, you can easily gift bus tickets to friends / family. However you need to make the booking in the name of the passenger(s) who would be travelling. Bus tickets are non - transferable.
Is there a minimum time frame within which I need to redeem and book before the journey?
No, you can book any time before your journey. However it is advisable to plan your reservation at least 24 hours prior to departure.
Can I cancel/modify my booking for the bus ticket?
Once booked, the bus tickets are non-refundable, non-changeable, and non-transferable.
If my bus is not operating or is delayed, what do I do?
You need to check with the bus operator with whom you have booked your seat(s). Delays/cancellations however, are governed by the respective bus operator policies.
How can I get my bus tickets in my hand if I were to redeem my IOB Rewardz Points online?
After completion of your transaction, you can directly print your tickets by clicking on the 'Print Ticket' link provided on the 'Redemption Request Confirmation' page. Please carry this print-out in person when travelling; also please ensure that you carry a valid photo ID, which states your Date of Birth as provided while making the booking request on the internet.
Will I be eligible for any refunds should I miss the bus?
No, you will not be eligible for any refund in this case.
How much luggage can I carry? What is my luggage allowance?
The luggage restrictions vary from operator to operator. On an average 20kg per person is the usual allowance. Luggage being carried for commercial purposes will be charged separately.
Can I choose my seat at the cinema?
Yes, this is one of the most important features that we offer. You have the choice of re-selecting/changing your seats at every step of the transaction till the time you make a payment.
How many tickets can I book in one transaction?
You are permitted to book a maximum of 10 tickets per transaction in each seating category of the cinema screen.
How can I confirm whether my tickets have been booked?
Once a booking is confirmed, you will receive an email and sms stating the same.
I accidentally booked my tickets for today instead of tomorrow, can you change the tickets?
No, it is not possible to replace or refund tickets once they have been booked.
Can I change my seats?
No, it is not possible to change your seat (s) once they have been booked and confirmed.
Can I change the show time that I have booked for?
No, it is not possible to change your tickets for different show timing once they have been booked and confirmed.
Can we cancel or replace our tickets?
No, as per government regulations, once a ticket has been paid for, it is deemed as sold, and therefore cannot now be replaced or cancelled.
What is the minimum time frame within which I need to redeem tickets before the show?
You must redeem your points at least 4 hours before the show timing. For e.g., should you wish to go for a show at 11pm on the 15th of April, you must redeem your points and make your booking request at least by 7 pm on the 15th of April.
How will I get my tickets?
Once your booking is confirmed, you will be required to take a printout of your booking confirmation and carry it with you to the box office at the cinema. Your tickets will be at the box office, and on request, they will be handed over to you.
How many days will it take to get my reward merchandise delivered?
Your reward merchandise will be delivered within 30 working days.
What if the product reaches my mentioned delivery address when I was away or not available?
Should this occur, we will attempt to deliver the product on the next business day once again. Kindly assure your availability.
What should I do if I want to change my delivery address?
Please call our Customer Care on 1800-419-0559 in order to have the delivery address changed. This change of address will only be possible if you request for it at the end of the same business day on which you have placed your redemption request.
What should I do if the reward merchandise delivered to me is not what I had ordered for?
In that case, please call and report the same to Customer Care on 1800-419-0559 within one business day of the delivery of the product.
What should I do if the reward merchandise has hidden damage or is found to be defective?
If this happens under any unfortunate circumstance, please call Customer Care on 1800-419-0559 within one business day from the delivery of the product and report the same. The article shall be replaced.
What should I do if I ordered the wrong item?
Please call our Customer Care on 1800-419-0559 before your redemption request is processed in order to change or cancel your redemption order.
How can I check my IOB Rewardz Points and know more about the program?
Visit IOB Rewardz website or call our Customer Care on 1800-419-0559.
Will I receive a statement of my IOB Rewardz Points and activities?
Yes, a monthly statement will be sent to all IOB Rewardz members through email. You can also visit the website to see your statement. Please visit
What is the customer Care number for IOB Rewardz?
The IOB Rewardz Customer Care number is 1800-419-0559.
What if I am not able to log in?
If you are not able to log in, please follow these simple steps:
  • Refresh the web page by either hitting the F5 key or the refresh button on the tools menu.
  • If you do not get the webpage again, please do CTRL+ F5 and try again
  • If you are still not getting the web page, please make sure the web address or URL is www.IOB
How do I unsubscribe?
You are automatically enrolled in the IOB Rewardz program if you are an IOB Debit Card holder. However, if you do not want to subscribe to the program, you can choose not to register your membership. If you have activated your membership and would like to unsubscribe, please call our customer care centre and we would be happy to help you.
Can I edit my profile, like address, phone etc? How can I edit it?
You can edit your details on the website. Please do not forget to save the changes before you leave the page.
I'm receiving a ‘Page Unavailable’ message when trying to activate. What should I do?
Please refresh your page and also check your internet connection. Also please check your email inbox as a verification email/sms would be sent to you with your account information.
I've forgotten my password, what do I do?
Click on forgot password button and enter your User ID. Your password reset link would be sent to your email account.
How do I change my password?
Log on to your account and click on the “Edit Profile” tab. You can change your password then and there. Keep your old password handy and do not forget to reconfirm the new password.
Is Mobile/DTH Recharge offered on IOB Rewardz Online Portal?
Yes, IOB Rewardz allows its customers to recharge their pre-paid mobile phone or their DTH account by redeeming their IOB Rewardz points.
Why is my recharge request not going through?
A request will be invalid on account of the following reasons:
  • Invalid subscriber ID/mobile number
  • Post paid mobile number where pre-paid is required
  • SubscriberID/mobile number which does not pertain to the list of mentioned operators
  • Incorrect/unacceptable recharge value
What if I do not get any confirmation message from the operator?
Once the recharge is completed, you will receive a confirmation message from the operator as well as a mail from In case on non-receipt of confirmation message, please check the talk-time/viewing limit of your mobile phone service. If the account balance does not increase, please contact our customer service desk on 1800-419-0559 with the details of mobile number, time & date of recharge, recharge amount & the Order ID mentioned on your receipt.You can register a complaint with our customer service desk on 1800-419-0559 within 15 days from the date of your recharge. No complaint can be registered after 15 days.
Can more than two adults stay in one room?
Most hotels allow additional guests to stay in a room for an extra charge as long as the room doesn’t exceed the maximum number of guests allowed per room. If you book a room that cannot accommodate your group, the hotel may cancel your reservation or require that you book additional rooms. If you have doubts, check directly with your hotel for their extra–guest charges and the maximum number of people allowed in the room you’ve booked.
Our children will be traveling with us – do they stay for free?
When making your booking, select the number of children traveling with you from the ‘Children’ drop–down box. If you select just 1 child, our search will give you the price of a double room with child, not including an extra bed. If you want an extra bed in the room, you need to increase the number of guests in your search.
How do I know if my booking was successful?
We’ll send you an email and SMS confirmation for your hotel booking.
Do I need to confirm my booking?
No, you don’t. You can also contact the hotel directly if you prefer. However, it may take up to 12 hours for the booking to reflect at the hotel.
What if I don’t get a confirmation at the time of booking?
If a confirmation page doesn’t display once you complete your booking, check your email for a confirmation. If you don’t get an email confirmation within 30 minutes, let us know at or contact IOB Rewardz customer Care at 1800-419-0559 and we’ll send you your confirmation details.
I did not get an email confirmation. What do I do?
If you don’t receive an email after making a reservation, it could be that we have the wrong email address on file or your Internet Service Provider blocked the email thinking it was spam. Check your spam folder, just in case, and add our email address – to your address book so that it doesn’t get filtered out next time. In the meantime, contact IOB Rewardz customer Care at 1800-419-0559 so we can send you an email confirmation. Be sure to include the following information:
  • The name the reservation was booked under
  • The hotel name and location (city)
  • The check–in/check–out dates
How long will it take for the hotel to get my booking information?
The time it takes for a hotel to get your booking information varies by specific hotel and arrival date. In most cases the hotel should receive the reservation information within 12 hours of the time you made your booking (except for nights and weekends when the hotel’s reservation department is closed). Please note that this doesn’t apply to bookings made for the same day.
What is my hotel’s check–in time?
Typically, the hotel check–in time is after 2:00 pm (local time). Check with your specific hotel for its exact check–in time.
What if I’m going to arrive early?
If you know you’re going to arrive early at your hotel, contact our Customer Support Team. We’ll do our best to accommodate your request, but it’s ultimately subject to the terms and conditions of the hotel.
How do I get a receipt or invoice for my hotel booking?
Log in to your IOB Rewardz Account with your UserID and password. Once you successfully login, go to “Transaction History” under “My Account” to view all your upcoming and completed trips. You can view/print your receipt by clicking on Booking Ref No.
In case you do not want to log in, you can retrieve your booking details from the “Manage Bookings” section on the Home Page. You will need to provide your Booking ID and your email address given at the time of booking to retrieve your booking details.
How do I cancel my hotel booking?
Once redeemed for, hotel bookings are non-refundable.