Kotak Air+ Credit Card
Best for travellers booking through Kotak Unbox. 5 Air Miles per Rs 100 on flights & hotels via Kotak Unbox; 2 Air Miles per Rs 100 on others; 1 Air Mile = Rs 1 on Kotak Unbox travel
Terms as of 2026-09-28 · Checked 30 September 2026Kotak Air+ Credit Card at a glance
Who it suits: Travellers booking through Kotak Unbox
Rewards & cashback
| Details | |
|---|---|
| How you earn | 5 Air Miles per Rs 100 on flights & hotels via Kotak Unbox; 2 Air Miles per Rs 100 on others; 1 Air Mile = Rs 1 on Kotak Unbox travel |
| Caps & exclusions | Accelerated miles capped at 15,000/statement cycle; redemption min 200 miles, max 80% of booking |
| Welcome benefit | 2,500 Air Miles welcome and 2,500 on renewal |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹2,400 | -₹1,140 |
| ₹3,00,000 / year | ₹6,000 | ₹2,460 |
| ₹6,00,000 / year | ₹12,000 | ₹8,460 |
| ₹12,00,000 / year | ₹24,000 | ₹20,460 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 4 domestic (max 2/quarter) + 2 international lounge visits/year |
| Fuel surcharge | 1% waiver on Rs 400-7,500 transactions, max Rs 4,500/year |
| Forex markup | 2.00% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | ₹3,000 + GST |
| Fee waiver | No spend-based waiver (paisabazaar); welcome/renewal miles offset fee |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-65 (add-on 18+) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
Frequently asked questions
What is the annual fee of the Kotak Air+ Credit Card?
Joining fee Free and annual fee ₹3,000 (plus 18% GST). No spend-based waiver (paisabazaar); welcome/renewal miles offset fee.
What rewards does it offer?
5 Air Miles per Rs 100 on flights & hotels via Kotak Unbox; 2 Air Miles per Rs 100 on others; 1 Air Mile = Rs 1 on Kotak Unbox travel Caps/exclusions: Accelerated miles capped at 15,000/statement cycle; redemption min 200 miles, max 80% of booking
Does it give airport lounge access?
4 domestic (max 2/quarter) + 2 international lounge visits/year
What is the forex markup?
2.00% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹2,360.
Is the Kotak Air+ Credit Card good for me?
Best for: Travellers booking through Kotak Unbox. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.kotak.bank.in, 2026-09-28. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Kotak Mahindra Bank’s website before applying. FinancePortal is not affiliated with the issuer.