Kotak Air+ Credit Card benefits
- Travel5
Air Miles per ₹100 on flights and hotels booked on Kotak Unbox
- Benefit2
Air Miles per ₹100 on other eligible spends
- Benefit2,500
bonus Air Miles on joining and on each renewal
- Lounge4
domestic and 2 international lounge visits a year
Good to know
- 1 Air Mile = ₹1 on Kotak Unbox travel, or transfer to airline and hotel partners
- 2% forex markup on international spends
Kotak Air+ Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Kotak Unbox travel5 Air Miles per ₹100 on flights, hotels and their add-ons booked through Kotak Unbox. The extra 3 miles are capped at 15,000 miles a statement cycle, which is ₹5 lakh of bookings and 25,000 miles in total. Other travel earns 2 miles per ₹100. | 5 miles per ₹100 | 25,000 |
| Everything else | 2 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, online gaming, EMI, cash advances and international spends.
All reward rules
- 1 Air Mile is worth ₹1 on flights and hotels booked on Kotak Unbox. You need at least 200 miles to book, and miles can pay up to 80% of a booking.
- Miles can also move to airline and hotel partners, such as Air France, British Airways, Etihad, Qatar Airways and United at 2 Air Miles for 1 partner mile, from 1,000 miles.
- 2,500 bonus Air Miles within 120 days after the joining fee is paid, and 2,500 more on each renewal.
- International spends earn no Air Miles, but the forex markup is a low 2%.
- Air Miles are valid for 3 years from the date they are earned. Statement credit or cashback redemption is not available on this card.
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 | 2% | ₹720 |
| Dining and food delivery | ₹4,000 | 2% | ₹960 |
| Online shopping | ₹3,000 | 2% | ₹720 |
| Travel | ₹14,000 | 5% | ₹8,400 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0% | ₹0 |
| Everything else | ₹3,000 | 2% | ₹720 |
| Total | ₹30,000 | ₹11,520 | |
| Renewal fee with GST | −₹3,540 | ||
| You keep | ₹7,980* |
Kotak Air+ Credit Card annual fee and charges
- Joining fee
- ₹3,000
- Annual fee
- ₹3,000
- Foreign currency markup
- 2%
Joining fee ₹3,000 and annual fee ₹3,000, both before GST. Kotak's fee table says there is no spend that waives either fee. The welcome and renewal Air Miles are given only after the fee is paid.
Fuel surcharge: 1% fuel surcharge waiver on fuel spends from ₹400 to ₹7,500, up to ₹4,500 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 and 2 international visits a year. Banks often set a spend condition, so read the reward rules above.
4 domestic lounge visits a calendar year, at most 2 a quarter, and 2 international visits a year through Priority Pass, for the primary cardholder only. A ₹2 validation charge applies in India and a $1 charge abroad, which is reversed.
Is the Kotak Air+ Credit Card right for you?
A card with a ₹3,000 yearly fee, paying 5% at Kotak Unbox travel and an above-average 2% elsewhere.
Worth its fee if you spend about ₹10,000 a month or more. Below that, the ₹3,000 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 5% back there, against 2% on most other spends.
- You pay in foreign currency, abroad or on foreign websites: the markup is 2%, against a typical 3.5% on the cards we list.
- You fly a few times a year: it includes 4 domestic and 2 international airport lounge visits a year.
Not for you if
- Your rewards would not reach ₹3,540 a year: that is the renewal fee with GST, and spending does not waive it.
- You rarely use Kotak Unbox travel: outside it the card pays 2%.
- 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 | ₹3,000 | 5% | ₹2,220* |
| 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 ₹7,980 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 fee and the annual fee are ₹3,000 each, before GST. Kotak does not offer a spend-based waiver on this card. You get 2,500 Air Miles each time the fee is paid.
How many Air Miles does the Kotak Air+ card earn?
It earns 5 Air Miles per ₹100 on flights and hotels booked through Kotak Unbox, and 2 Air Miles per ₹100 on other eligible spends. The extra 3 miles on Kotak Unbox are capped at 15,000 miles a statement cycle.
How much is one Kotak Air+ Air Mile worth?
1 Air Mile is worth ₹1 on flights and hotels booked on Kotak Unbox. You can also transfer miles to partners such as Air France, British Airways, Etihad and Qatar Airways, mostly at 2 Air Miles for 1 partner mile.
Does the Kotak Air+ card give lounge access?
Yes. The primary cardholder gets 4 domestic lounge visits a year, at most 2 a quarter, and 2 international lounge visits a year through Priority Pass.
What is the difference between Kotak Air and Kotak Air+?
Kotak Air+ has a higher fee of ₹3,000 against ₹999, but earns 2 miles per ₹100 instead of 1, and 5 instead of 3 on Kotak Unbox travel. It also adds 2 international lounge visits and a lower 2% forex markup.