All cards / Kotak Mahindra Bank
Kotak Air Credit Card
The entry rung of Kotak's Air Miles ladder (below Air+) — 3X Air Miles on Kotak Unbox flight/hotel bookings capped per cycle, with welcome and renewal miles that largely offset the fee, though lounge access is spend-conditional.
Annual fee
₹999
Joining fee
₹999
Reward type
miles
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. It's worth the annual fee mainly if your miles value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: Complimentary domestic lounge access on ₹60,000 spend in the preceding quarter
Benefits by category
- ✈️ Travel
3% reward rate (capped ₹5,000/monthly) · Complimentary domestic lounge access on ₹60,000 spend in the preceding quarter
- ⛽ Fuel
1% fuel surcharge waiver across all petrol pumps in India
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver across all petrol pumps in India
Benefits
- 1,000 bonus Air Miles on payment of the joining fee
- 1,000 bonus Air Miles on renewal
- Complimentary domestic lounge access on ₹60,000 spend in the preceding quarter
- 1% fuel surcharge waiver across all petrol pumps in India
Pros
- + Welcome + renewal miles largely offset the annual fee
- + 3X Air Miles on Kotak Unbox travel bookings
- + Fuel surcharge waiver
Cons
- − Lounge access requires ₹60,000 quarterly spend, not automatic
- − Accelerated earning capped at 5,000 miles/cycle
- − Lower earn rate than the Air+ variant