Kotak Mahindra Bank
Kotak Air Credit Card
Data last verified: 15 October 2026
- Joining fee₹999 + GST
- Annual fee₹999 + GST
- Reward rate1% on most spends; 3% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹999 + GST
- Annual fee₹999 + GST
- Fee waiverOn ₹2,50,000 spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹3,500 a month
Kotak Air earns Air Miles instead of points. You get 3 Air Miles per Rs 100 on flights and hotels booked through Kotak Unbox, capped monthly, and 1 Air Mile per Rs 100 on everything else. There are 1,000 bonus Air Miles on joining and another 1,000 on each card anniversary.
The fee is ₹999 plus GST, waived at ₹2,50,000 annual spend. The welcome and renewal miles soften the fee even if you do not reach the waiver.
It suits occasional flyers who book through Kotak's travel portal. The catch is lounge access. The 4 domestic visits a year need Rs 60,000 spend in the previous quarter, and foreign spends carry a 3.5% markup.
Best for: Occasional domestic flyers, Kotak Unbox bookers, Travellers on a modest budget.
01Kotak Air Credit Card Rewards and Benefits
02Kotak Air Credit Card Annual Fee and Charges
- Joining fee
- ₹999 + GST
- Annual fee
- ₹999 + GST
- Spend-based waiver
- Annual fee waived on ₹2,50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹3,500 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST−₹1,179
- In your pocket each year₹1,221
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel only at Kotak Unbox, flights & hotels: 3% back, up to ₹5,000 a month
- Spending ₹20,833 or more a month: the ₹1,179 fee is waived
- Flyers: 4 airport lounge visits a year
Skip it if…
- you spend less than ₹20,833 a month (₹2,50,000 a year, rent and wallet loads not counted): the ₹1,179 fee is then charged
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Kotak Unbox, flights & hotels: the 3% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹999 plus GST
- Fee waived on ₹2,50,000 annual spend
- 3 Air Miles per ₹100 on Kotak Unbox flights and hotels
- 1 Air Mile per ₹100 on other spends
- 1,000 bonus Air Miles on joining and on each renewal
- 4 domestic lounge visits a year, spend-linked
05Pros and Cons
Pros
- Miles on every spend, not just travel
- Welcome and renewal bonus miles
- Reachable fee waiver at ₹2,50,000
Cons
- Lounge visits need ₹60,000 spend in the previous quarter
- Travel bonus only through Kotak Unbox, with a monthly cap
- 3.5% forex markup
- No international lounge access
06How Kotak Air Credit Card earns Rewards
1% on most spends; 3% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 3% | ₹5,000 | Only at: Kotak Unbox, flights & hotelsTerms: 3 Air Miles per ₹100 on flights and hotels booked via Kotak Unbox (capped 5,000 miles/statement cycle) |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1 Air Mile per ₹100 on all other eligible spends; 1 Air Mile = ₹1 for flight/hotel bookings on Kotak Unbox
07Kotak Air Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. Spend Rs 60,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access.
- Fuel surcharge waiver: 1% fuel-surcharge waiver on transactions of ₹500 to ₹5,000 (max ₹3,500 a year)
- Airport lounge access: Up to 4 complimentary domestic lounge visits a year (max 2 per quarter), subject to ₹60,000 of spend in the previous quarter
08Kotak Air Credit Card Eligibility and Documents
- Age
- 18 years and above
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What Kotak Mahindra Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| Feb 2026 | Changed: Kotak Air launched, entry rung of the Air Miles travel family | - | - |
See this card's change history → · All card changes in February 2026 →
10Cards Similar to Kotak Air Credit Card
Kotak Air Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Kotak Air Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹999 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹999 + GST | Lifetime free | Lifetime free |
| Rewards | 1% on most spends; 3% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 4 visits a year | Unlimited | Not included |
| Forex markup | 3.5% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 15 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Kotak Air Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹999 fee waived?
Yes, when you spend ₹2,50,000 in a year.
How many lounge visits do I get?
4 domestic visits a year, available after spending ₹60,000 in the previous quarter.
Where do I earn 3 Air Miles per ₹100?
On flights and hotels booked through Kotak Unbox, up to a monthly cap.
Is there a renewal benefit?
Yes, 1,000 bonus Air Miles on completing each card anniversary year.
What is the joining fee for the Kotak Air Credit Card?
The joining fee is ₹999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Kotak Air Credit Card?
The annual fee is ₹999 + GST.
Does the Kotak Air Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Kotak Mahindra Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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