Kotak Air+ Credit Card
A travel card earning Air Miles: 2 per ₹100 on eligible spends and 5 per ₹100 on flights and hotels booked through Kotak Unbox, miles worth ₹1 on Kotak Unbox bookings or transferable to airline and hotel partners, with a 2% forex markup and six lounge visits a year. Every figure below is copied from Kotak Mahindra Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹3,000 plus GST MITC |
|---|---|
| Annual fee | ₹3,000 plus GST MITC |
| Annual fee waiver | On ₹4,00,000 of spend in the year MITC |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 2% of the transaction, plus GST Terms |
| The key fact statement (version KFSA+12032026) and the MITC waive the annual fee on ₹4 lakh of retail spend in a year, leaving out rent, wallet, utility, education and transportation spends; the product page's fee table says the waiver is 'Not Available'. International spends earn no Air Miles. | |
Rewards
Reward points, ₹1 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Eligible spends (2 Air Miles per ₹100) | 2 points per ₹100 Product page | no cap on record |
Flights and hotels booked through Kotak Unbox earn 5 Air Miles per ₹100; the extra 3 are capped at 15,000 Air Miles a statement cycle. That portal rate is shown as a highlight, not modelled. Air Miles expire three years after they are earned.
No rewards on
- Utilities and telecom, insurance, education and government, rent, fuel, wallet loads and international spends (also EMI, online gaming and cash advances) Product page
Benefits
- Lounges: 2 international lounge visits (Priority Pass) and 4 domestic lounge visits a calendar year for the primary cardholder; domestic visits up to 2 a quarter Terms
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹7,500, up to ₹4,500 in a card anniversary year (an annual cap, not modelled per cycle); fuel earns no Air Miles Product page
- Welcome: 2,500 Air Miles within 120 days of issue, once the joining fee is paid Product page
Also on this card
Quoted from Kotak Mahindra Bank; not counted in the net value.
- 5 Air Miles per ₹100 on flights and hotels booked through Kotak Unbox (the extra 3 capped at 15,000 Air Miles a cycle) Product page
- Air Miles transfer to Air Canada, Air France, British Airways, Cathay Pacific, Etihad, Qatar, United and Accor at 2:1, Marriott at 3:1 Terms
- 2,500 Air Miles each year on renewal, once the annual fee is paid Product page
- 2% foreign currency markup Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by Kotak Mahindra Bank in the documents read
- the card network
- a RuPay variant for UPI
- eligibility criteria
- a statement-credit value for Air Miles (Kotak says statement credit is not available on this card)
Where Kotak Mahindra Bank’s documents differ, and what is used
- Annual fee waiver: the key fact statement (12 Mar 2026) and the MITC give a waiver at ₹4 lakh of retail spend a year; the product page's fee table says 'Not Available'. The dated key fact statement is used.
The quotes behind the figures
27 figures, each copied from an official Kotak Mahindra Bank document.
Show every quote and source
“Kotak Air+ Credit Card ₹3,000 ₹3,000 NA NA ₹4 Lakh Retail Spends per annum”
“Low Foreign Currency Mark-up of 2% on International Transactions”
“Maximise Air Miles: 1 Air Mile = ₹1 when redeemed for Flight and Hotel Booking through Kotak Unbox”
“Earn 2 Air Miles for every ₹100 spent for other purchases”
“2 Air Miles for every 100 spent on Other Spends (barring exclusions)”
“Note: No Air Miles will be accrued on International Transactions”
“No Air Miles will be accrued on Utility/Telecom, Insurance, Education & Government, Rent, Fuel, Wallet Loading, EMI, Online Gaming, Cash Advance and International Transactions”
“Low Foreign Currency Mark-up of 2% Apply Now”
“Joining fee ₹ 3,000 + GST Annual fees ₹ 3,000 + GST Condition for waiver of Joining Fees Not Available Condition for waiver of Annual Fees Not Available”
“^^Rent, Wallet, Utility, Education & Transportation categories will be excluded in the calculation of spends based fee waiver.”
“3.50% for all other Cards 2% for Privy League Signature (Fee paying variant), Kotak Infinite card, Kotak Air+ Credit Card, White Reserve, Kotak Air+ Prime Credit Card, Kotak811 Super Money Credit Card and Dream Different Credit Card.”
“Maximum Air Miles Redemption allowed for Flight/Hotel Booking on Kotak Unbox is up to 80% of the booking value”
“Accelerated Air Miles earn for Flight/Hotel Booking on Kotak Unbox is capped at 15,000 Air Miles per statement cycle.”
“Reward redemption as statement credit/cashback is not available in Kotak Air+ Credit card.”
“b. 2 Complimentary International Lounge Access for Primary Cardholders in a Calendar Year (No capping on utilisation)”
“International Lounge Access (Powered by Priority Pass)”
“Complimentary Lounge Access Benefit is only applicable for Primary Cardholder”
“3 Years from the date of accrual”
“Fuel Surcharge Waiver will be applicable for fuel transactions between ₹400 -7,500. Maximum waiver is capped at ₹4,500 in an anniversary year”
“a. 4 Complimentary Domestic Lounge Access for Primary Cardholders in a Calendar Year (Capped at 2 Lounge in a Calendar Qtr.)”
“1% Fuel surcharge waiver for fuel transactions done on petrol pumps across India”
“2,500 Air Miles as Welcome Benefit will be credited within 120 days of card issuance subject to payment of Joining Fees”
“Earn 5 Air Miles for every ₹100 spent on Flight & Hotel Booking through Kotak Unbox”
“Air Canada 2:1 Air France 2:1 British Airways 2:1 Cathay Pacific 2:1 Etihad Airways 2:1 Qatar Airlines 2:1 United Airlines 2:1 Accor 2:1 Marriot 3:1”
“2,500 Air Miles as Renewal Benefit will be credited subject to payment of Annual Fees”
“Enjoy low foreign currency mark-up of 2% on International transactions”
“Kotak Air+ Credit Card Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Kotak Mahindra Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Kotak Mahindra Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology