All cards / Kotak Mahindra Bank
Kotak Air+ Credit Card
Kotak's current entry-level travel-miles card, offering accelerated Air Miles on flight/hotel bookings made through the Kotak Unbox travel portal, at a relatively low 2% forex markup.
Annual fee
₹3,000
Joining fee
₹3,000
Reward type
miles
Base reward rate
2%
Card network
Visa
Card tier
Mid
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: 2% base rate
- Domestic lounge access: 4 complimentary domestic lounge visits per year (2 per quarter) for primary cardholder
- International lounge access: 2 complimentary international lounge visits per year via Priority Pass (primary cardholder only)
Benefits by category
- ✈️ Travel
5% reward rate · 2 complimentary international lounge visits and 4 complimentary domestic lounge visits annually
- ⛽ Fuel
1% fuel surcharge waiver on fuel transactions
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 2%
Benefits
- 2,500 Air Miles as a welcome benefit
- 2,500 Air Miles as an annual renewal benefit
- 2 complimentary international lounge visits and 4 complimentary domestic lounge visits annually
- 1% fuel surcharge waiver on fuel transactions
Pros
- + Low 2% forex markup, better than most mass-market Indian travel cards
- + 5x Air Miles on Kotak Unbox flight/hotel bookings
- + Welcome + renewal miles bonuses
Cons
- − No fee waiver on spend — fixed ₹3,000/year
- − Long list of spend exclusions from base earning (utilities, insurance, education, government, rent, fuel, wallet loads, EMI, gaming, cash advances, international spend)
- − Lounge visit count (2 intl + 4 domestic/year) is modest for a travel-focused card
Best for
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