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Last updated: 28 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 3 Air Miles per ₹100 spent
Earn 3 Air Miles per ₹100 on flight and hotel bookings via Kotak Unbox (capped at 5,000 AM per statement cycle). Earn 1 Air Mile per ₹100 on all other retail purchases.
Redeem for
The privileges that come bundled in, beyond the reward points.
Milestone Benefit: Earn a ₹5,000 travel voucher or equivalent Air Miles on spending ₹2.5 Lakh, achievable up to two times in an anniversary year
Lounge Access: 4 complimentary domestic lounge visits annually (capped at 2 per quarter), unlocked by spending ₹60,000 or more in the previous calendar quarter
Renewal Benefit: Receive 1,000 bonus Air Miles upon payment of the annual renewal fee
Fuel Surcharge Waiver: 1% waiver for fuel transactions between ₹500 and ₹5,000, capped at ₹3,500 annually
Fee Waiver: The ₹999 annual fee is waived upon spending ₹2.5 Lakh in the preceding anniversary year
An honest read on where this card earns its keep — and where it doesn't.
Strong redemption value of 1 Air Mile = ₹1 when used for flights and hotels on Kotak Unbox
Achievable milestone benefit offers up to ₹10,000 in travel value annually
Welcome and renewal bonuses effectively offset the low ₹999 annual fee
Fee waiver condition aligns perfectly with the milestone benefit target (₹2.5 Lakh)
Steep quarterly spend requirement of ₹60,000 just to unlock domestic lounge access
Low base reward rate of 1% on everyday offline/online spending
High foreign currency markup of 3.5% makes it poor for international use
Transferring miles to some airline partners suffers from a diluted 3:1 ratio
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Kotak Mahindra Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Kotak Air Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Kotak Air Credit Card fees, reward conversion, lounge access, and application eligibility.
Kotak Air Credit Card has an annual fee of ₹999 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Earn 1,000 bonus Air Miles as a welcome benefit upon successful payment of the joining fee.".
Kotak Air Credit Card earns Air Miles at a primary rate of Up to 3 Air Miles per ₹100 spent. Specifically, Earn 3 Air Miles per ₹100 on flight and hotel bookings via Kotak Unbox (capped at 5,000 AM per statement cycle). Earn 1 Air Mile per ₹100 on all other retail purchases.. Spends in Travel, Entry Level categories provide the maximum valueback per transaction on this card.
Rewards earned on Kotak Air Credit Card can be redeemed for Kotak Unbox Flights & Hotels (1 AM = ₹1), Instant Vouchers (1 AM = ₹0.5), Transfer to Partner Airlines & Hotels via Kotak Mahindra Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
Yes, Kotak Air Credit Card features complimentary airport lounge privileges. Privileges include: "Lounge Access: 4 complimentary domestic lounge visits annually (capped at 2 per quarter)". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 700 or above is strongly recommended for approval of Kotak Air Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Kotak Air Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Kotak Air Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Kotak Air Credit Card currently features a welcome offer: "Earn 1,000 bonus Air Miles as a welcome benefit upon successful payment of the joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Strong redemption value of 1 Air Mile = ₹1 when used for flights and hotels on Kotak Unbox and Achievable milestone benefit offers up to ₹10. However, keep in mind that Steep quarterly spend requirement of ₹60 and 000 just to unlock domestic lounge access. Overall, Kotak Air Credit Card delivers strong value if your regular spending aligns with Travel, Entry Level.
Yes, Kotak Air Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% waiver for fuel transactions between ₹500 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
