Kotak Mahindra Bank
Kotak Air+ Prime Credit Card
Data last verified: 15 October 2026
- Joining fee₹3,000 + GST
- Annual fee₹3,000 + GST
- Reward rate2% on most spends; 5% 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₹3,000 + GST
- Annual fee₹3,000 + GST
- Fee waiverOn ₹4 lakh spend a year
- Forex markup2%
- Interest (APR)3.5% a month, 42% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹4,500 a month
Air+ earns 2 Air Miles per Rs 100 on regular spends and 5 per Rs 100 on flights and hotels booked through Kotak Unbox, up to a monthly cap. You get 2,500 Air Miles on joining and another 2,500 on each renewal.
The fee is ₹3,000 plus GST, waived when you spend ₹4 lakh in a year. The welcome and renewal miles cover a good part of the fee on their own, and the 2% forex markup saves money on trips abroad.
It suits regular travellers who want miles on all spends and a few lounge visits. The catch is the limited lounge count: 4 domestic and 2 international visits a year, with extra visits abroad charged at US$35.
Best for: Regular domestic and international travellers, Kotak Unbox bookers, People who want miles on everyday spends.
01Kotak Air+ Prime Credit Card Rewards and Benefits
02Kotak Air+ Prime Credit Card Annual Fee and Charges
- Joining fee
- ₹3,000 + GST
- Annual fee
- ₹3,000 + GST
- Spend-based waiver
- Annual fee waived on ₹4 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 2%
- Interest rate
- 3.5% a month (42% a year)
- Fuel surcharge waiver
- Yes, up to ₹4,500 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 2%₹400
- Back each month, ₹4,800 a year₹400
- Annual fee with 18% GST−₹3,540
- In your pocket each year₹1,260
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: 5% back, up to ₹15,000 a month
- Spending ₹33,333 or more a month: the ₹3,540 fee is waived
- Flyers: 6 airport lounge visits a year
- Spending abroad: 2% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹33,333 a month (₹4,00,000 a year, rent and wallet loads not counted): the ₹3,540 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: the 5% rate applies only there, everything else earns 2%
- you sometimes pay only the minimum due: interest of 3.5% a month (42% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹3,000 plus GST
- Fee waived on ₹4 lakh annual spend
- 2 Air Miles per ₹100 on regular spends
- 5 Air Miles per ₹100 on Kotak Unbox flights and hotels
- 4 domestic and 2 international lounge visits a year
- 2% forex markup, works with UPI
05Pros and Cons
Pros
- 2 Air Miles per ₹100 on all spends
- 2,500 bonus Air Miles on joining and each renewal
- Lower 2% forex markup
- UPI enabled
Cons
- Only 6 lounge visits a year
- Extra international lounge visits cost US$35
- Fee waiver needs ₹4 lakh spend
06How Kotak Air+ Prime Credit Card earns Rewards
2% on most spends; 5% 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 | 2% | No cap | The card's normal rate |
| Dining and food delivery | 2% | No cap | The card's normal rate |
| Groceries | 2% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 2% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 5% | ₹15,000 | Only at: Kotak UnboxTerms: 5 Air Miles per ₹100 on flights & hotels booked via Kotak Unbox; accelerated earn capped at 15,000 Air Miles per 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 | Earns nothing | - | earns nothing on this card |
| Everything else | 2% | No cap | The card's normal rate |
Terms on the base rate. 2 Air Miles per ₹100 on other eligible spends, unlimited, except insurance (MCC 6300), which earns only on the first ₹25,000 a cycle. 5 per ₹100 at auto dealers (max 1,500 a cycle). 1 Air Mile = ₹1 for flight/hotel bookings on Kotak Unbox
07Kotak Air+ Prime Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year, international is 2 visits a year, through Priority Pass with Priority Pass. 4 domestic (2 per quarter) + 2 international complimentary airport lounge visits per year; international access runs on Priority Pass, and visits beyond the 2 cost US$35 each. Spending abroad carries a 2% forex markup; rewards on it: earns nothing. 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 ₹400 to ₹7,500 (max ₹4,500 a year)
08Kotak Air+ Prime 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 |
|---|---|---|---|
| 8 May 2026 | Changed: Kotak Air+ Prime launched, Air+ with an auto-dealer accelerator | - | 5 Air Miles per ₹100 on Unbox travel and auto dealers, 2 per ₹100 base |
See this card's change history → · All card changes in May 2026 →
10Cards Similar to Kotak Air+ Prime Credit Card
Kotak Air+ Prime 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+ Prime Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹3,000 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹3,000 + GST | Lifetime free | Lifetime free |
| Rewards | 2% on most spends; 5% 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 | 2% | 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+ Prime Credit Card Bill
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Common Questions
Is the ₹3,000 fee waived?
Yes, when you spend ₹4 lakh in a year.
How many lounge visits do I get?
4 domestic and 2 international visits a year. International visits are through Priority Pass.
What is the forex markup?
2% on foreign currency spends.
Can I use it on UPI?
Yes, it is a UPI-enabled credit card.
What is the joining fee for the Kotak Air+ Prime Credit Card?
The joining fee is ₹3,000 + 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+ Prime Credit Card?
The annual fee is ₹3,000 + GST.
Does the Kotak Air+ Prime Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year, international is 2 visits a year, through Priority Pass with Priority Pass. 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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