Kotak Mahindra Bank
Kotak Air+ Credit Card
Annual Fee
Lifetime FreeBase Reward
2% miles
Foreign Markup
2%
Welcome Benefits
2,500 Air Miles
Product Highlights
- Travel-focused credit card
- Access to international and domestic airport lounges
- Low forex markup charge of 2%
Category Rewards
travel
5 Air Miles/₹100 on Flight & Hotel Booking
5X
Specialty
2 Air Miles/₹100 on All Other Spends
2X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Kotak Unbox
Flight & hotel bookings via Kotak Unbox
Reward Calculator
Earns ₹2,100/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
4.2K
Kotak Air Miles
₹2.1K
via standard · ₹0.5/pt
Effective rate
1.35%
Annual fee
FREE
Year 1 net
+₹2,100
Year 2+ net
+₹2,100
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, cash advance, rent, wallet, emi, government, education
Fuel surcharge waiver (good news)
1%on ₹400–₹7,500 fuel txns · capped at ₹4,500/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 5 Air Miles per ₹100 on flight and hotel bookings via Kotak Unbox, and 2 Air Miles per ₹100 on all other spends.
- Transfer Air Miles to Partner Hotels and Airlines Such as Accor, Air Canada, Air France, and More at a 2:1 Ratio
Benefits & Features
Domestic: 4 Free Visits Each Year (Maximum of 2 Per Quarter) International: 2 Free Visits Each Year Free lounge access is only valid for primary cardholders; add-on cardholders shall not be able to avail of this benefit.
Pros & Cons
Pros
- Sound entry-level air miles card
- Decent joining fee
- Renewal and welcome benefits in the form of Air Miles
Cons
- Lacks travel insurance
- No concierge service
- No global hotel discounts
- No spend-based annual fee waiver
- No Air Miles earned on international transactions
Additional Info
No maximum monthly or yearly limit of Air Miles that can be transferred.
Accelerated Air Miles earnings are capped at 15,000 Air Miles per statement cycle.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks