All cards / Kotak Mahindra Bank
Kotak Air+ Prime Credit Card
An upgraded version of the Kotak Air+ card that adds accelerated Air Miles on auto-dealer spends alongside the usual flight and hotel booking rewards, aimed at frequent travellers who also make big-ticket vehicle purchases. The Rs 3,000 fee is steep unless you consistently hit the bonus categories.
Annual fee
₹3,000
Joining fee
₹3,000
Reward type
miles
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ 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
Benefits by category
- ✈️ Travel
5% reward rate
- 🏨 Hotel
5 Air Miles per Rs 100 on flights/hotels via Kotak Unbox and on select auto-dealer spends.
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 2%
- Interest rate: 3.5% p.a.
Benefits
- 3,000 bonus Air Miles on payment of joining fee.
- 3,000 bonus Air Miles on each renewal anniversary.
- 5 Air Miles per Rs 100 on flights/hotels via Kotak Unbox and on select auto-dealer spends.
Pros
- + Accelerated miles on travel and auto-dealer spends
- + Solid welcome and renewal Air Miles bonus
- + Reasonable 2% forex markup
Cons
- − High joining/annual fee with no stated waiver
- − Miles value depends on Kotak's redemption catalogue