
Joining Fee
Free
Annual Fee
Rs. 0 (Reversed on annual spends of Rs. 0 Lakhs)
Forex Markup
2% + GST
Kotak Air Credit Card
Rewards Structure
Base Reward Rate
2% on spends
Point Value
1 Point = ₹1
Earning Cap
₹15,000 /statement_cycle
Pros
- Earn 5 Air Miles per ₹100 on flight & hotel bookings via Kotak Unbox
- Low 2% foreign currency markup
- Complimentary international and domestic lounge access
- Welcome and renewal Air Miles benefit
- 1 Air Mile = ₹1 when redeemed for flights/hotels on Kotak Unbox
Cons
- Accelerated Air Miles on Kotak Unbox capped at 15,000 per statement cycle
- No Air Miles on utility, telecom, insurance, education, government, rent, fuel, wallet loading, EMI, online gaming, cash advance, and international transactions
- International lounge access requires activation of international transactions and incurs a $1 visit validation charge (auto-reversed within 7 working days)
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Accelerated earn rate capped at 15,000 Air Miles per statement cycle on Kotak Unbox
Minimum 200 Air Miles required for flight & hotel booking redemption on Kotak Unbox
Maximum Air Miles redemption for flight/hotel on Kotak Unbox is up to 80% of booking value
Minimum 1,000 Air Miles required to transfer to airline/hotel partners
Fuel surcharge waiver applicable only for transactions between ₹400 and ₹7,500
Fuel surcharge waiver capped at ₹4,500 per anniversary year
Key Benefits & Features
Detailed benefits inside
Eligibility Criteria
Age Requirement
21+ Years
Occupation
Required Documents
IDENTITY Proof
INCOME Proof
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
About Kotak Air Credit Card
The Kotak Air+ Credit Card is designed for travel enthusiasts who want to earn Air Miles on every purchase and redeem them for meaningful travel experiences. Cardholders earn 5 Air Miles for every ₹100 spent on flight and hotel bookings through Kotak Unbox, and 2 Air Miles for every ₹100 on all other everyday purchases. New cardholders receive 2,500 Air Miles as a welcome benefit, with an additional 2,500 Air Miles credited as a renewal benefit upon completing each anniversary year, ensuring ongoing value beyond the first year. The card delivers a well-rounded travel experience through complimentary lounge access, offering 2 international lounge visits and 4 domestic lounge visits annually for primary cardholders. International travelers also benefit from a reduced foreign currency mark-up of just 2%, making overseas spending more economical. A 1% fuel surcharge waiver applies to fuel transactions at petrol pumps across India, adding everyday savings to the card's travel-focused appeal. Air Miles earned can be redeemed for flight and hotel bookings through Kotak Unbox, where 1 Air Mile equals ₹1 in redemption value, or transferred to preferred airline and hotel loyalty partners. With accelerated earning on travel bookings, flexible redemption options, and premium travel perks, the Kotak Air+ Credit Card is an ideal companion for frequent travelers seeking to maximize the value of every rupee spent.
Our Verdict
Earn Air Miles on every spend & enjoy travel perks with low 2% forex markup on international transactions.
Frequently Asked QuestionsAbout Kotak Air Credit Card
REWARDSHow many Air Miles do I earn on flight and hotel bookings through Kotak Unbox?
REWARDSWhat is the Air Miles earn rate for everyday purchases?
USAGEHow can I redeem my Air Miles?
REWARDSWhat is the value of 1 Air Mile when redeemed on Kotak Unbox?
BENEFITSWhat are the Welcome and Renewal Air Miles benefits?
BENEFITSHow many complimentary lounge accesses do I get with this card?
USAGEHow do I access international lounges with the Kotak Air+ Credit Card?
INTERNATIONALWhat is the foreign currency markup on the Kotak Air+ Credit Card?
BENEFITSIs there a fuel surcharge waiver on the Kotak Air+ Credit Card?
REWARDSOn which transactions are Air Miles NOT earned?
USAGECan I transfer Air Miles to airline or hotel loyalty programs?
FEESWhat are the joining and annual fees for the Kotak Air+ Credit Card?
APPLICATIONHow do I apply for the Kotak Air+ Credit Card?
USAGEWhat is the minimum Air Miles balance required for redemption?
OTHERHow do I contact Kotak Bank for queries related to the Air+ Credit Card?
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