Kotak Air+ Prime Credit Card
Kotak Mahindra Bank · Open to apply
The Air+ card with car dealers added: 2 Air Miles per ₹100, 5 per ₹100 on flights and hotels booked on Kotak Unbox and at car dealers and auto parts stores, 3,000 miles each year on the fee, a 2% forex markup (no miles abroad) and 4 domestic and 2 international lounge visits a year. Miles transfer to ten 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
- 5 Air Miles per ₹100 on flights and hotels booked on Kotak Unbox: 5 Air Miles per ₹100 (about 5% at cash value)
- 5 Air Miles per ₹100 at car dealers and auto parts stores: 5 Air Miles per ₹100 (about 5% at cash value)
Earns nothing on
- No Air Miles on international transactions
- No Air Miles on utilities, telecom, education, government, rent, fuel, wallet loads, gaming and EMI
Where the sources disagree
- voucher redemption value: The product page says "Instant Voucher Purchase: 1 Air Mile =₹5"; the T&C say ₹0.5 (the Air and Air+ pages and the Air value chart say ₹0.5). We use the T&C, and read ₹5 as a typing error.
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.
- Insurance: the T&C give no miles on MCCs 5960, 6381 and 6399, and none on 6300 above ₹25,000 a statement cycle. The insurance category here also holds 5960 and 6381 (6399 is not in it), so the calculator pays miles on all insurance up to ₹25,000 a cycle, which may be too generous.
Sources
- Kotak Air+ Prime Credit Card product page, features, fees and FAQ (Product page, the bank's own, read 6 Nov 2026)
- Key Fact Statement, Kotak Air+ Prime Credit Card (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Terms and Conditions for Kotak Air+ Prime Credit Card (Reward terms, the bank's own, read 6 Nov 2026)
- Kotak Mahindra Bank credit card MITC (current PDF, created 30 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Air Miles Transfer Ratio for Kotak Air+ Prime Credit Card (Reward terms, the bank's own, read 6 Nov 2026)