Kotak Air+ Credit Card

Kotak Mahindra Bank · Open to apply

Kotak's mid-tier travel card: 2 Air Miles per ₹100, 5 per ₹100 on flights and hotels booked on Kotak Unbox, 2,500 miles each year on the fee, a 2% forex markup (but no miles abroad), and 4 domestic and 2 international lounge visits a year. Miles pay ₹1 each for travel on Unbox or transfer to nine airline and hotel programmes.

Annual fee
₹3,000 + GST a year
Joining fee
₹3,000 + GST
Fee waiver
Annual fee waived on ₹4,00,000 spend per card year
Base rate
2 Air Miles per ₹100 on other spends: 2 Air Miles per ₹100 (about 2% at cash value)
Lounges
Domestic: 4 visits a calendar year; International: 2 visits a calendar year
Forex markup
2%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 3 incremental Air Miles per ₹100 on flights and hotels booked on Kotak Unbox (5 in all): 3 Air Miles per ₹100 on top of the base rate (about 3% at cash value)

Earns nothing on

  • No Air Miles on international transactions
  • 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 says ₹4 lakh of retail spends in an anniversary year, and so does the MITC. We use the KFS and MITC.

Terms the calculator does not value

  • No Air Miles on international spends, though the forex markup is 2%.
  • 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.

Sources

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