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 Air Credit Card
- 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
KotakplatinummidRewards 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
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.
₹1,000 welcome benefit
- 1,000 bonus Air Miles (welcome); another 1,000 on renewalCard activationWindow: 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
- : www.kotak.bank.in · retrieved 3 Jul 2026
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.