Kotak Air Credit Card benefits
- Travel3
Air Miles per ₹100 on flights and hotels booked on Kotak Unbox
- Benefit1
Air Mile per ₹100 on other eligible spends
- Benefit1,000
bonus Air Miles on joining and on each renewal
- Lounge4
domestic lounge visits a year with ₹60,000 quarterly spends
Good to know
- 1 Air Mile = ₹1 on Kotak Unbox travel
- Annual fee ₹999, waived on ₹2.5 lakh of yearly spends
Kotak Air Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Kotak Unbox travel3 Air Miles per ₹100 on flights and hotels booked through Kotak Unbox, up to 5,000 miles a statement cycle (₹2.5 lakh of bookings). Other travel earns 1 mile per ₹100. | 3 miles per ₹100 | 5,000 |
| Everything else | 1 miles per ₹100 | None |
We value one mile at ₹1 in the usual redemption.
No rewards on: Utility and telecom bills, insurance, education, government payments, rent, fuel, wallet loads, gaming, EMI and cash advances.
All reward rules
- 1 Air Mile is worth ₹1 on flights and hotels booked on Kotak Unbox, and ₹0.50 on instant vouchers. Miles can also move to airline and hotel partners.
- After the 5,000 mile limit, Kotak Unbox bookings still earn 1 mile per ₹100.
- 1,000 bonus Air Miles as a welcome benefit after the joining fee is paid, and 1,000 more on each renewal.
- Air Miles are valid for 3 years from the date they are earned.
What the Kotak Air Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “frequent traveller” pattern, using Kotak Unbox travel where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 1% | ₹360 |
| Dining and food delivery | ₹4,000 | 1% | ₹480 |
| Online shopping | ₹3,000 | 1% | ₹360 |
| Travel | ₹14,000 | 3% | ₹5,040 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0% | ₹0 |
| Everything else | ₹3,000 | 1% | ₹360 |
| Total | ₹30,000 | ₹6,600 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹6,600* |
Kotak Air Credit Card annual fee and charges
- Joining fee
- ₹999
- Annual fee
- ₹999
- Fee waiver
- ₹2,50,000 a year
- Foreign currency markup
- 3.5%
Kotak's fee table lists a ₹999 joining fee, while its card list shows ₹0 under an offer. The annual fee is waived on ₹2.5 lakh of retail spends in a card year, not counting rent, wallet, utility, education and transport spends. Fees are before GST.
Fuel surcharge: 1% fuel surcharge waiver on fuel spends from ₹500 to ₹5,000, up to ₹3,500 in a card year.
Kotak Air Credit Card eligibility
Kotak's card page does not state a minimum age or income for this card. Kotak checks eligibility when you apply.
The bank alone decides approval and your credit limit.
Kotak Air Credit Card lounge access
4 domestic visits a year. Banks often set a spend condition, so read the reward rules above.
4 domestic lounge visits a year for the primary cardholder, at most 2 a quarter. You need ₹60,000 of spends in the previous calendar quarter. A ₹2 validation charge applies.
Is the Kotak Air Credit Card right for you?
A card with a ₹999 fee that spending can waive, paying 3% at Kotak Unbox travel and an above-average 1% elsewhere.
Worth its fee if you spend about ₹6,000 a month or more. Below that, the ₹999 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at Kotak Unbox travel: the card pays 3% back there, against 1% on most other spends.
- You spend ₹2,50,000 a year or more (about ₹20,900 a month), so the ₹999 renewal fee is waived.
- You fly a few times a year: it includes 4 domestic airport lounge visits a year.
Not for you if
- You spend less than about ₹20,900 a month: you would pay ₹1,179 a year with GST.
- You rarely use Kotak Unbox travel: outside it the card pays 1%.
- Much of your spending is on bills and utilities: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Kotak Air Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Kotak Air Credit Card | ₹999 | 3% | ₹2,880* |
| HSBC Premier Credit Card | Free | 3% | ₹9,720* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
If most of your spending looks like the example above, the HSBC Premier Credit Card may suit you better: it would leave you ₹10,440 a year, against ₹6,600 with the Kotak Air Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the Kotak Air Credit Card?
The joining and annual fees are ₹999 each, before GST. Kotak's card list currently shows the joining fee as ₹0 under an offer. The annual fee is waived on ₹2.5 lakh of retail spends in a card year.
How much is one Kotak Air Mile worth?
1 Air Mile is worth ₹1 when you book flights or hotels on Kotak Unbox, and ₹0.50 on instant vouchers. You can also move miles to airline and hotel partners.
What is the limit on accelerated Air Miles?
Flights and hotels booked through Kotak Unbox earn 3 miles per ₹100, up to 5,000 miles a statement cycle. That covers ₹2.5 lakh of bookings. After that you earn 1 mile per ₹100.
Does the Kotak Air card give lounge access?
Yes. The primary cardholder gets 4 domestic lounge visits a year, at most 2 a quarter, if they spent ₹60,000 or more in the previous calendar quarter.
Which spends earn no Air Miles?
Utility and telecom bills, insurance, education, government payments, rent, fuel, wallet loads, gaming, EMI and cash advances earn no Air Miles.