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Credit Cards · India

Kotak Air Credit Card

Updated 3 Jul 2026Source-linked

The Kotak Air Credit Card is a mid credit card from Kotak Mahindra Bank, with a joining fee of ₹999 + GST.

It earns up to 3 miles per ₹100 (≈2.1% value) on flight hotel via unbox spends in the form of air miles (miles).

Cardholders get 4 annual domestic airport lounge access, plus 1,000 bonus air miles (welcome); another 1,000 on renewal as a welcome benefit.

Kotak Mahindra Bank logo
Kotak Air Credit Card
Visa logo
  • Joining Fee₹999
  • Annual Fee₹999
  • Best Suited ForTravel
  • Reward TypeAir Miles (miles)
Rewards Rate
  • 3 miles per ₹100 on flight hotel via unbox (cap 5000 miles / statement)
  • Base 0.70% on other spends
Welcome Benefits
  • 1,000 bonus Air Miles (welcome); another 1,000 on renewal
Data verified 3 Jul 2026 — see our methodology
Kotak Mahindra Bank logoKotakVisa logoplatinummid
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Rewards and Benefits

Rewards Rate
3 miles per ₹100 on flight hotel via unbox (cap 5000 miles / statement)
Base 0.70% on other spends.
Reward Redemption
Kotak Unbox: 1 Air Mile = ₹1 on flight & hotel bookings via Kotak Unbox.
Welcome Benefits
1,000 bonus Air Miles (welcome); another 1,000 on renewal
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Travel & hotels₹210/mo

    You spend ₹10,000 · earns 2.1% = ₹210 uncapped

    • Capped at ₹3,500/mo
    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.7% = ₹105/mo
  • Groceries₹8,000 · 0.7% = ₹56/mo
  • Dining & food delivery₹8,000 · 0.7% = ₹56/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Utilities & bills₹5,000 · 0.7% = ₹35/mo
Est.net rewards for this spend, realistic
₹4,545/yr

₹5,544 rewards − ₹999 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • mid card issued by Kotak Mahindra Bank.
  • Joining / annual fee of ₹999 + GST.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (4/annual).

Pros & Cons

Pros
  • Complimentary domestic airport lounge access (4/annual).
Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹1,000 welcome benefit

  • 1,000 bonus Air Miles (welcome); another 1,000 on renewal
    Card activation
    Window: 90 days from issuance.

Accelerated rewards

  • 3 miles per ₹100 on flight hotel via unbox (cap 5000 miles / statement)
    3 Air Miles per ₹100 on flight & hotel bookings via Kotak Unbox, capped 5,000 Air Miles/statement (~₹2.5L spend); 1 Air Mile per ₹100 thereafter and on all other spends.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
4 visit(s) / annual. Via visa, dreamfolks.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
720+
Income (salaried)
₹6,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
Tagsmidmilestravellounge