Kotak Air+ Credit Card
Kotak Mahindra Bank · Visa · Premium card
A straightforward miles card with a strong base earn and useful low-forex travel benefits.
Travellers who book through Kotak Unbox and prefer simple Air Miles over complex transfer ratios.
Terms checked 23 Sept 2026
- Annual fee
- ₹3,000 + GST
- Joining fee
- ₹3,000 + GST
- Base reward rate
- 2%
- Forex markup
- 2%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 2% |
| Groceries & essentials | 2% |
| Dining & delivery | 2% |
| Travel & hotels | 2% |
| Beauty & wellness | 2% |
| Entertainment & movies | 2% |
| Healthcare & pharmacy | 2% |
| Subscriptions & streaming | 2% |
| Offline store shopping | 2% |
| Gold & jewellery | 2% |
| Other miscellaneous | 2% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| Education & family | 0% |
| International spending | 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
8 domestic airport lounge visits per year • 2 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not available
Four visits per calendar year and maximum two per quarter.
2 international airport lounge visits per year · Issuer card
Guest access: Not available
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 flight and hotel bonus
Usage-based valueThree incremental Air Miles per ₹100 combine with the two-mile base for five miles per ₹100 on eligible Kotak Unbox flight and hotel bookings.
Conditions: Three incremental Air Miles per ₹100 combine with the two-mile base for five miles per ₹100 on eligible Kotak Unbox flight and hotel bookings.
Other eligible domestic miles
Usage-based valueTwo Air Miles per ₹100 on other eligible domestic purchases; base miles continue after the portal-bonus cap.
2,500 renewal Air Miles after annual-fee payment
Shown without a cash valueFive Air Miles per ₹100 on eligible Kotak Unbox flight and hotel bookings
Shown without a cash valueTwo Air Miles per ₹100 on other eligible domestic purchases
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹3,000₹3,000 annual fee before applicable tax.
Joining fee
Cost ₹3,000₹3,000 one-time joining fee before applicable tax.
Welcome benefits · 1 item
2,500 welcome Air Miles
Recorded value ₹2,500Welcome miles worth ₹2,500 for eligible Kotak Unbox travel redemption.
Conditions: Pay the applicable joining fee
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not available. Four visits per calendar year and maximum two per quarter.
International lounge access
Usage-based value2 visits per year through Issuer card. Guest access: not available.
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value2% 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. The reviewed issuer sources do not publish one universal numeric income threshold.
Other benefits · 1 item
1% fuel-surcharge waiver on ₹400-₹7,500 transactions, capped at ₹4,500 per anniversary year
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 1 ↗Official source 2 ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Five Air Miles per ₹100 on eligible Kotak Unbox flight and hotel bookings
- ✓ Two Air Miles per ₹100 on other eligible domestic purchases
- ✓ 2% forex markup and six airport-lounge visits yearly
- ✓ 2,500 welcome miles and 2,500 renewal miles after fee payment
What to watch
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.
Recorded exclusions
Fuel Commute · Bills Utilities · Telecom · Education Family · Government payments · International Spend · Rent · Insurance · Wallet load · 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.
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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