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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 ₹3,000 + GST.

It earns up to 5 miles per ₹100 (≈3.5% value) on flight hotel via unbox spends in the form of air miles (miles).

Cardholders get 2 quarterly domestic airport lounge access.

Kotak Mahindra Bank logo
Kotak Air+ Credit Card
Visa logo
  • Joining Fee₹3,000
  • Annual Fee₹3,000
  • Best Suited ForTravel
  • Reward TypeAir Miles (miles)
Rewards Rate
  • 5 miles per ₹100 on flight hotel via unbox (cap 5000 miles / statement)
  • Base 1.40% on other spends
Welcome Benefits
  • Not applicable
Data verified 3 Jul 2026 — see our methodology
Kotak Mahindra Bank logoKotakVisa logosignaturemid
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Rewards and Benefits

Rewards Rate
5 miles per ₹100 on flight hotel via unbox (cap 5000 miles / statement)
Base 1.40% on other spends.
Reward Redemption
Kotak Unbox: 1 Air Mile = ₹1 on flight & hotel bookings via Kotak Unbox.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly.
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₹350/mo

    You spend ₹10,000 · earns 3.5% = ₹350 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 · 1.4% = ₹210/mo
  • Groceries₹8,000 · 1.4% = ₹112/mo
  • Dining & food delivery₹8,000 · 1.4% = ₹112/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Utilities & bills₹5,000 · 1.4% = ₹70/mo
Est.net rewards for this spend, realistic
₹7,248/yr

₹10,248 rewards − ₹3,000 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
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 ₹3,000 + GST.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (2/quarterly).

Pros & Cons

Pros
  • Low forex markup of 2.00% — suited to international spends.
  • Complimentary domestic airport lounge access (2/quarterly).
  • Accelerated earn worth ≈3.5% on flight hotel via unbox.
Cons
  • No annual-fee waiver option.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 5 miles per ₹100 on flight hotel via unbox (cap 5000 miles / statement)
    5 Air Miles per ₹100 on flight & hotel bookings via Kotak Unbox; 2 per ₹100 on other spends. 1 Air Mile = ₹1 on Unbox travel.

Exclusions

The following spend categories earn no rewards on this card:

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

Airport lounge access

Domestic
2 visit(s) / quarterly. 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
750+
Income (salaried)
₹6,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
Tagsmidmilestravellounge