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| Feature | Kotak Mahindra Bank Kotak Air+ Credit Card | BOBCARD BOBCARD Etihad Guest Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Kotak Mahindra Bank | BOBCARD |
| Network | Visa | Mastercard |
| Annual fee | ₹3,000 + GST per year | ₹2,500 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹3,00,000 annual spending |
| Base reward rate | 2% | 0.5% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 8 domestic airport lounge visits per year • 2 international airport lounge visits per year | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 2% | 1% |
| Monthly income requirement | Not listed | Approx. ₹50,000/month |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | Travellers who book through Kotak Unbox and prefer simple Air Miles over complex transfer ratios. | Occasional Etihad flyers who want low forex and lounge access at a mid-premium fee. |
| Main trade-off | International transactions earn no miles despite the low forex markup. Direct booking redemption can cover only 80% of a booking, and transfer ratios vary by partner. | Etihad Guest miles have no fixed issuer cash value; GainFair uses a disclosed ₹0.50 planning assumption. The welcome package is time-bound to eligible September 2026 onboarding, and the monthly bonus also requires four transactions. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
