Kotak Air Credit Card

Kotak Mahindra Bank · Open to apply

Kotak's entry travel card: 1 Air Mile per ₹100, 3 per ₹100 on flights and hotels booked on Kotak Unbox, 1,000 miles each year on the fee and four domestic lounge visits a year for ₹60,000 of quarterly spend. Miles pay ₹1 each for travel on Unbox or transfer to eight airline and hotel programmes.

Annual fee
₹999 + GST a year
Joining fee
₹999 + GST
Fee waiver
Annual fee waived on ₹2,50,000 spend per card year
Base rate
1 Air Mile per ₹100 on other purchases: 1 Air Miles per ₹100 (about 1% at cash value)
Lounges
Domestic: 2 visits a calendar quarter after ₹60,000 spend
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 3 Air Miles per ₹100 on flights and hotels booked on Kotak Unbox: 3 Air Miles per ₹100 (about 3% at cash value)

Earns nothing on

  • No Air Miles on utilities, telecom, insurance, education, government, rent, fuel, wallet loads, gaming and EMI

Where the sources disagree

  • annual fee waiver: The product page's fee table says "Not Available" for the annual-fee waiver condition. The KFS, the MITC and the page's own rewards text give a ₹2.5 lakh retail-spend waiver. We use the KFS and MITC.

Terms the calculator does not value

  • The lounge benefit is 4 visits a year in total; the calculator may count up to 2 in each quarter the spend condition is met.
  • Miles can pay at most 80% of a booking on Kotak Unbox; the rest is paid by card.
  • Transportation spends do not count toward the annual fee waiver (KFS); the calculator counts them.
  • The listing advertises a nil joining fee as a limited-time, channel-dependent offer; not entered.
  • The T&C cap accelerated miles at 5,000 a statement cycle "equivalent to ₹2.5 lakhs in spends", but 5,000 miles at 3 per ₹100 is ₹1.67 lakh of spend (5,000 would be ₹2.5 lakh only if it counted the 2 miles above the base). Entered as 5,000 miles in all.

Sources

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