Kotak Air Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 (Reversed on annual spends of Rs. 0 Lakhs)

Forex Markup

2% + GST

INTERNATIONAL

Add-on Card Fee

Free per supplementary card

Travel
Rewards
Best For: Frequent travelers, Users who book flights and hotels online, Those seeking Air Miles rewards

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

SALARIEDSELF_EMPLOYEDRETIREDSTUDENT

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

INCOME Proof

Income Tax Returns
Salary Slips

Notable Exclusions

No Air Miles on Utility/Telecom transactionsNo Air Miles on Insurance transactionsNo Air Miles on Education & Government transactionsNo Air Miles on Rent transactionsNo Air Miles on Fuel transactionsNo Air Miles on Wallet Loading transactionsNo Air Miles on EMI transactionsNo Air Miles on Online Gaming transactionsNo Air Miles on Cash Advance transactionsNo Air Miles on International Transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

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.

Expert Review

Our Verdict

Earn Air Miles on every spend & enjoy travel perks with low 2% forex markup on international transactions.

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