Kotak Air Credit Card
Kotak Mahindra Bank · Visa · Mid card
A straightforward entry into travel miles with a moderate fee and four domestic lounge visits.
Occasional travellers who will book through Kotak Unbox and use a few domestic lounge visits.
Terms checked 23 Sept 2026
- Annual fee
- ₹999 + GST
- Joining fee
- ₹999 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1% |
| Groceries & essentials | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% Kotak Unbox travel only |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Gold & jewellery | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| Education & family | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
4 domestic airport lounge visits per year
4 domestic airport lounge visits per year · Issuer card
Guest access: Not available
Requires ₹60,000 per Calendar quarter for the following calendar quarter
Annual allowance is four visits, capped at two per quarter.
Spend condition: Spend ₹60,000 in the preceding calendar quarter; maximum two visits in any one quarter and four yearly.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
Kotak Unbox travel bonus
Usage-based valueTwo bonus miles stack with the base mile on eligible flight and hotel bookings through Kotak Unbox.
Conditions: Two bonus miles stack with the base mile on eligible flight and hotel bookings through Kotak Unbox.
Other eligible Air Miles
Usage-based valueOne Air Mile per ₹100 on other eligible purchases.
Up to 80% of an eligible Unbox booking can be paid with miles
Shown without a cash valueOne Air Mile per ₹100 on eligible purchases
Shown without a cash valueThree Air Miles per ₹100 on Kotak Unbox flight and hotel bookings
Shown without a cash value
Fees · 3 items
Annual card fee
Cost ₹999₹999 annual fee before applicable tax.
Joining fee
Cost ₹999₹999 one-time joining fee before applicable tax.
1,000 renewal Air Miles after payment of the ₹999 annual fee
Shown without a cash value
Welcome benefits · 1 item
1,000 welcome Air Miles
Recorded value ₹1,000Welcome miles worth up to ₹1,000 against eligible Kotak Unbox travel.
Conditions: Pay the applicable ₹999 joining fee · Redemption and fulfilment terms apply
Airport lounge access · 1 item
Domestic lounge access
Usage-based value4 visits per year through Issuer card. Guest access: not available. Annual allowance is four visits, capped at two per quarter.
Conditions: Spend ₹60,000 per calendar quarter
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. Kotak does not publish one universal numeric income threshold for Air.
Other benefits · 1 item
1% fuel-surcharge waiver on ₹500-₹5,000 fuel purchases, capped at ₹3,500 yearly
Shown without a cash value
Other categories (11)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ One Air Mile per ₹100 on eligible purchases
- ✓ Three Air Miles per ₹100 on Kotak Unbox flight and hotel bookings
- ✓ Four domestic lounge visits yearly after ₹60,000 preceding-quarter spend, capped at two per quarter
- ✓ 1,000 welcome and 1,000 renewal Air Miles after the respective fee is paid
What to watch
Kotak explicitly publishes no annual-fee waiver for this card. The 3X Unbox bonus is capped at 5,000 bonus miles per statement cycle, lounge access is spend-gated, and common regulated categories earn no miles.
Recorded exclusions
Bills Utilities · Insurance · Education Family · Rent · Fuel Commute · Wallet load · Government payments · Online gaming · Emi · Cash withdrawal
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026