Kotak Air Credit Card

Joining Fee

Free

Annual Fee

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

Forex Markup

2% + GST

INTERNATIONAL
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.

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.

Frequently Asked QuestionsAbout Kotak Air Credit Card

REWARDSHow many Air Miles do I earn on flight and hotel bookings through Kotak Unbox?
You earn 5 Air Miles for every ₹100 spent on flight and hotel bookings made through Kotak Unbox. This is the accelerated earning rate. However, please note that this accelerated Air Miles earning is capped at 15,000 Air Miles per statement cycle. Once you reach this cap within the same statement cycle, you will continue to earn the base rate of 2 Air Miles for every ₹100 spent.
REWARDSWhat is the Air Miles earn rate for everyday purchases?
For all regular day-to-day purchases other than flight and hotel bookings on Kotak Unbox, you earn 2 Air Miles for every ₹100 spent. This base rate applies to all eligible transactions. Please note that no Air Miles are earned on utility/telecom, insurance, education, government, rent, fuel, wallet loading, EMI, online gaming, cash advance, and international transactions.
USAGEHow can I redeem my Air Miles?
Air Miles earned on the Kotak Air+ Credit Card can be redeemed in two ways: First, you can use them for booking flights and hotel stays through Kotak Unbox, where 1 Air Mile = ₹1 in value. A minimum of 200 Air Miles is required, and redemption is capped at 80% of the booking value. Second, you can transfer your Air Miles to preferred airline and hotel loyalty partners, with a minimum of 1,000 Air Miles required for transfer.
REWARDSWhat is the value of 1 Air Mile when redeemed on Kotak Unbox?
When redeemed for flight and hotel bookings through Kotak Unbox, 1 Air Mile is equal to ₹1. This makes it straightforward to calculate the value of your accumulated Air Miles. You can use Air Miles for up to 80% of the booking value, and you need a minimum of 200 Air Miles to initiate a redemption on Kotak Unbox.
BENEFITSWhat are the Welcome and Renewal Air Miles benefits?
As a new cardholder, you receive 2,500 Air Miles as a Welcome Benefit, which will be credited within 120 days of card issuance, subject to payment of the joining fee. Additionally, you earn 2,500 Air Miles as a Renewal Benefit upon completion of each anniversary year, subject to payment of the annual fee. These milestone benefits help you start and continue your travel journey with a head start.
BENEFITSHow many complimentary lounge accesses do I get with this card?
The Kotak Air+ Credit Card offers primary cardholders 2 complimentary international lounge accesses annually and 4 complimentary domestic lounge accesses annually. Domestic lounge access is capped at 2 lounges per calendar quarter, and a visit validation charge of ₹2 will be levied at the lounge. The complimentary lounge access benefit is applicable only for the primary cardholder.
USAGEHow do I access international lounges with the Kotak Air+ Credit Card?
To access international lounges, present your Kotak Air+ Credit Card or the digital QR code available on the Priority Pass app at the lounge. You must first activate international transactions (both online and in-store/POS) via the Kotak Bank Mobile App or Net Banking to enable visit validation. A visit validation charge of $1.00 will be debited from your credit card and will be auto-reversed within 7 working days.
INTERNATIONALWhat is the foreign currency markup on the Kotak Air+ Credit Card?
The Kotak Air+ Credit Card offers a low foreign currency markup of 2% on international transactions. This is relatively competitive and helps you save on currency conversion costs when travelling abroad or making international purchases. However, please note that no Air Miles are accrued on international transactions, so they are excluded from the rewards earning program.
BENEFITSIs there a fuel surcharge waiver on the Kotak Air+ Credit Card?
Yes, the Kotak Air+ Credit Card offers a 1% fuel surcharge waiver for fuel transactions at petrol pumps across India. The waiver is applicable for fuel transactions between ₹400 and ₹7,500. The maximum waiver is capped at ₹4,500 in an anniversary year. Please note that no Air Miles are earned on fuel transactions.
REWARDSOn which transactions are Air Miles NOT earned?
Air Miles will not be accrued on the following transaction categories: Utility and Telecom payments, Insurance premiums, Education and Government payments, Rent payments, Fuel transactions, Wallet loading, EMI transactions, Online Gaming, Cash Advance, and International Transactions. Ensure your spending falls outside these categories to maximise Air Miles accumulation on your Kotak Air+ Credit Card.
USAGECan I transfer Air Miles to airline or hotel loyalty programs?
Yes, you can transfer your Kotak Air+ Credit Card Air Miles to preferred airline and hotel loyalty partners. A minimum of 1,000 Air Miles is required to initiate a transfer. The conversion ratios vary by partner, and you can visit the Kotak Unbox platform for a detailed list of airline and hotel partners along with their respective conversion ratios. This flexibility allows you to maximise the value of your Air Miles.
FEESWhat are the joining and annual fees for the Kotak Air+ Credit Card?
The exact joining and annual fee details for the Kotak Air+ Credit Card are not publicly disclosed on the card page and may vary based on the applicant's profile or promotional offer at the time of application. It is important to note that the 2,500 Welcome Benefit Air Miles are credited subject to payment of the joining fee, and the 2,500 Renewal Benefit Air Miles are credited subject to payment of the annual fee. Please contact Kotak Bank at 1800 4100 or visit the nearest branch for current fee details.
APPLICATIONHow do I apply for the Kotak Air+ Credit Card?
You can apply for the Kotak Air+ Credit Card online by clicking the 'Apply Now' button on the official Kotak Bank credit card page. You can also visit your nearest Kotak Mahindra Bank branch to apply in person. For assistance, you can call Kotak Bank's toll-free helpline at 1800 4100. Ensure you have the necessary documents ready, including identity proof, address proof, and income documents, as these are typically required during the application process.
USAGEWhat is the minimum Air Miles balance required for redemption?
The minimum Air Miles required depends on the redemption method. For flight and hotel bookings through Kotak Unbox, you need a minimum of 200 Air Miles. Additionally, redemption through Kotak Unbox is capped at 80% of the total booking value. For transferring Air Miles to preferred airline or hotel loyalty partners, a minimum of 1,000 Air Miles is required. Plan your spending accordingly to ensure you accumulate sufficient Air Miles for your desired redemption.
OTHERHow do I contact Kotak Bank for queries related to the Air+ Credit Card?
You can reach Kotak Bank through multiple channels for any queries or assistance related to your Air+ Credit Card. Call the toll-free helpline at 1800 4100 for banking needs, complaints, and resolution. You can also write to the bank at customersupport@kotak.com. Additionally, you can visit your nearest Kotak Mahindra Bank branch, use the Kotak Mobile Banking App, or log in to Kotak Net Banking for self-service options and account management.

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