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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 5 Air Miles per ₹100 spent
Earn 5 Air Miles per ₹100 on flight and hotel bookings via Kotak Unbox (capped at 15,000 per statement cycle); 2 Air Miles per ₹100 on other retail spends.
Redeem for
The privileges that come bundled in, beyond the reward points.
Milestone Benefit: Spend ₹1.5 Lakh in a calendar quarter and get a ₹5,000 travel voucher or equivalent air miles
Domestic Lounge: 4 complimentary visits per year (max 2 per quarter)
International Lounge: 2 complimentary visits per year via Priority Pass
Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹7,500 (up to ₹4,500 yearly)
An honest read on where this card earns its keep — and where it doesn't.
Excellent milestone benefit yielding ₹20,000 in vouchers annually on target spends
Low 2% foreign currency markup fee
Includes both domestic and international lounge access
High redemption value of 1 Air Mile = ₹1 on Kotak Unbox
High annual fee of ₹3,000 with no spend-based waiver
No Air Miles earned on international transactions
Priority Pass international lounge visits incur a temporary $1 visit-validation charge
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 Plus 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 Plus credit card fees, reward conversion, lounge access, and application eligibility.
Kotak Air Plus credit card has an annual fee of ₹3,000 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 2,500 Air Miles as a welcome benefit upon joining, plus an additional 2,500 Air Miles upon annual renewal.".
Kotak Air Plus credit card earns Air Miles at a primary rate of Up to 5 Air Miles per ₹100 spent. Specifically, Earn 5 Air Miles per ₹100 on flight and hotel bookings via Kotak Unbox (capped at 15,000 per statement cycle); 2 Air Miles per ₹100 on other retail spends.. Spends in Travel, Premium categories provide the maximum valueback per transaction on this card.
Rewards earned on Kotak Air Plus credit card can be redeemed for Kotak Unbox Flights & Hotels (1 Mile = ₹1), Transfer to Airline Partners (Accor, Air Canada, etc.), Transfer to Hotel Partners 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 Plus credit card features complimentary airport lounge privileges. Privileges include: "Domestic Lounge: 4 complimentary visits per year (max 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 750 or above is strongly recommended for approval of Kotak Air Plus 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 Plus 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 Plus credit card levies a forex markup fee of 2.0% of the transaction amount 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 Plus credit card currently features a welcome offer: "Earn 2,500 Air Miles as a welcome benefit upon joining, plus an additional 2,500 Air Miles upon annual renewal.". 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 Excellent milestone benefit yielding ₹20 and 000 in vouchers annually on target spends. However, keep in mind that High annual fee of ₹3 and 000 with no spend-based waiver. Overall, Kotak Air Plus credit card delivers strong value if your regular spending aligns with Travel, Premium.
Yes, Kotak Air Plus 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 on transactions between ₹400 and ₹7). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
