Priority Pass
Kotak Mahindra Bank
Kotak Air+ Credit Card
The Kotak Air+ Credit Card is a specialized travel card designed to reward frequent travelers. It focuses on value-back through an Air Miles program, offering up to 5% back on travel bookings made via the Kotak Unbox platform.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 14 June 2026.
At a Glance
Annual Fee
₹3,000
Joining Fee
₹3,000
Fee Waiver
Spend ₹4,00,000 annually
Lounge Access
See details
Forex Markup
2%
Effective Yield
2% – 5%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The Kotak Air+ Credit Card is a specialized travel card designed to reward frequent travelers. It focuses on value-back through an Air Miles program, offering up to 5% back on travel bookings made via the Kotak Unbox platform. While it provides useful perks like complimentary domestic and international lounge access, its value proposition is heavily tied to using the bank's specific travel portal for all bookings and redemptions.
This card is best suited for domestic travelers who can consolidate their flight and hotel bookings through the Kotak Unbox platform. Because the card does not offer rewards on international spends and lacks significant lifestyle benefits outside of travel, it is not an ideal all-purpose card, but rather a targeted tool for those looking to offset travel costs.
What We Like
The card offers strong accelerated rewards for travel bookings made via the Kotak Unbox platform and features a convenient 1:1 redemption ratio for travel. Additionally, it provides complimentary worldwide lounge access without requiring specific minimum spending milestones.
Pros
- ✓5% savings on travel spends
- ✓2% base value-back rate on all purchases
- ✓Air Miles can be redeemed at up to a 1:1 ratio for travel
- ✓Complimentary airport lounge access worldwide
Cons
- ✗No rewards or Air Miles earned on international spends
- ✗Limited to travel-focused benefits with no significant lifestyle perks
- ✗No option for an annual fee waiver
Get This Card If
- ✓You travel frequently and want to save on travel-related costs
- ✓You are willing to exclusively use the Kotak Unbox platform for your travel bookings
- ✓You plan to utilize your Air Miles for future travel or conversion to airline and hotel partner miles
Earning & Redemption
How You Earn
| Category | Reward rate | Yield | Cap * |
|---|---|---|---|
Travel Spends (via Kotak Unbox) | 5 Air Miles per ₹100 | 5.00% | 15,000 accelerated miles per cycle |
All Other Domestic Retail Spends | 2 Air Miles per ₹100 | 2.00% | No Upper Cap |
International Spends | No Air Miles | 0.00% | — |
Excluded Categories | No Air Miles | 0.0% | — |
* Category caps shown are based on publicly available card terms. Banks frequently revise caps and rates without notice — always verify current limits directly with the issuer before applying.
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0 | Renewal Bonus2,500 pts | ₹2,500 (Travel Value) | Awarded annually upon payment of renewal fee (offsets 83% of the fee). |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Kotak Unbox (Flights/Hotels) | ₹1.00 per mile1:1 Ratio | Best Value (Covers up to 80% of booking amount) |
| Air India (Maharaja Club) | ₹0.50 per mile2:1 Ratio | Good for status/Star Alliance bookings |
| Partner Transfer (Other Airlines) | ₹0.50 per mile2:1 Ratio | Includes Flying Blue, Qatar, British Airways & Marriott |
| Instant Vouchers | ₹0.50 per mile2:1 Ratio | Avoid (Halves the value of your earned miles) |
What You Need to Know
The International Trap
Unlike almost all other premium cards, this card earns 0 reward points on international spends.
Impact: Makes the card unsuitable for international travelers despite the low 2% forex fee.
Lounge Spend Criteria
Domestic lounge access is unlocked only if you spend ₹60,000 in the previous quarter.
Impact: Irregular spenders will find themselves paying for lounge entry at the airport.
Essential Fine Print
Reward Exclusions
Excluded Categories: Fuel transactions, Wallet loading, and Rent payments do not earn 6E Rewards.
Welcome Offer
Welcome Benefits
Earn 2,500 Air Miles as Welcome Benefit
Lounge Access
Priority PassDomestic Lounge Access
4 Complimentary Domestic lounge access annually (Primary Cardholders - capped at 2 Lounges per calendar quarter). Note: cardholders need to spend a minimum of ₹60,000 in a calendar quarter to be eligible to avail complimentary access to domestic lounges in the next quarter.
International Lounge Access
2 Complimentary International lounge access annually (Primary Cardholders)
Travel Benefits
Accelerated Earnings on Travel Spends
Earn 5 Air Miles for every ₹100 spent on Flight & Hotel Booking through Kotak Unbox
Milestone Benefits
Annual Completion Benefit
Earn 2,500 Air Miles as Renewal Benefit on completion of each anniversary year.
Annual Fee Waiver
On eligible spends of ₹4 Lakhs and above.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹3,000 |
| Annual / Renewal Fee | ₹3,000 |
| Fee Waiver Threshold | Spend ₹4,00,000 annually |
| Forex Markup | 2% |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age
Age between 21-60 years
Income
Must have a steady, verifiable income.
Ready to apply for Kotak Air+ Credit Card?
Annual fee: ₹3,000 · Waived on ₹4,00,000 spend
Frequently Asked Questions
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Annual fee
₹3,000
2% – 5% yield