CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Kotak Mahindra Bank

Kotak Air+ Credit Card

52
Ranked #24 of 170 in credit
creditVisa SignatureMid-Travel

Kotak's mid-tier travel card with an unusually generous unconditional international Priority Pass lounge benefit and strong Kotak Unbox travel rewards, best suited for travelers willing to book primarily through Kotak's proprietary platform.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value44/100 · weight 71%
≈ 2.29% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, rent, education, fuel, insurance. Reward score is scaled by ×(1 − 4.2%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency76/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks65/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹3,000 + 18% GST
= ₹3,540 total
Annual fee
₹3,000 + 18% GST
= ₹3,540 / year total
Waiver: No spend-based fee waiver option
Forex markup
2%

Lounge access

Domestic (per year)
4
International (per year)
Unlimited

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingpoints5.00%(5 pts @ ₹1.00)₹15,000 / monthlyKotak Unbox flight & hotel bookings — 5 Air Miles/₹100 (2 base + 3 bonus); bonus 3 Air Miles/₹100 capped at 15,000 Air Miles per statement cycle; over-cap and non-Unbox travel earn the 2 base Air Miles/₹100 via all_spends.
all_spendspoints2.00%(2 pts @ ₹1.00)—2 Air Miles per ₹100 on all other eligible spends (unlimited, no cap).
fuelpoints0.00%(0 pts @ ₹1.00)—No Air Miles on fuel (excluded MCC). 1% fuel surcharge waiver applies separately.
rentpoints0.00%(0 pts @ ₹1.00)—No Air Miles on rent (excluded MCC).
wallet_loadpoints0.00%(0 pts @ ₹1.00)—No Air Miles on wallet loading (excluded MCC).
governmentpoints0.00%(0 pts @ ₹1.00)—No Air Miles on government/tax payments (excluded MCC).
educationpoints0.00%(0 pts @ ₹1.00)—No Air Miles on education (excluded MCC).
insurancepoints0.00%(0 pts @ ₹1.00)—No Air Miles on insurance premium payments (excluded MCC).
utilitiespoints0.00%(0 pts @ ₹1.00)—No Air Miles on utility & telecom bill payments (excluded MCC).

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

Utility & telecomInsuranceEducationGovernment paymentsRentFuelWallet loadingEMI transactionsOnline gamingCash advancesInternational transactions

Welcome offer

2,500 Air Miles bonus on joining fee payment

Milestone benefits

Pros

  • Rare unconditional international Priority Pass lounge access (no spend threshold, unusual for this fee tier)
  • low 2% forex markup
  • strong 5% value-back on Kotak Unbox travel bookings
  • welcome+renewal bonuses (5,000 Air Miles total) partially offset fees

Cons

  • No spend-based fee waiver
  • zero Air Miles earned on international transactions despite the low forex markup
  • value-back heavily concentrated on the Kotak Unbox platform (restrictive for those who book elsewhere)
  • no Air Miles on utility/telecom/insurance/education/government/rent/fuel/wallet/EMI/gaming/cash

What's inside

More benefits

  • Domestic Airport Lounge Access

    4 complimentary domestic airport lounge visits per year (max 2 per calendar quarter)

    yearly.

  • International Airport Lounge Access

    2 complimentary international lounge visits per year via Priority Pass (primary cardholder)

    yearly.

  • Fuel Surcharge Waiver

    ₹4,500

    1% fuel surcharge waiver on ₹400–₹7,500 fuel spends, up to ₹4,500 per year

    Cap ₹4,500 / yearly.

Insurance cover

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₹NaN

Eligibility

text
Income ~Rs9L+ p.a. indicative; 750+ CIBIL

Small print

Fuel surcharge:1% waiver, Rs400-7,500 range, capped Rs4,500/year