Travel
Kotak Air Credit Card
Kotak’s entry travel card: 1 Air Mile per ₹100 (3 on Kotak Unbox travel), miles transferable to Air India, Marriott and others, plus domestic lounges.
Joining fee₹999 + GST
Annual fee₹999 + GST
Fee waiverOn ₹2.5 lakh spend a year
Top reward3 Air Miles per ₹100 on Kotak Unbox
Lounge4 domestic a year (spend-based)
Forex markup3.5%
Best for: Beginners in travel rewards who spend ₹25,000 to ₹50,000 a month.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Flights and hotels on Kotak Unbox | 3 Air Miles per ₹100 | 5,000 miles a cycle |
| Other spends | 1 Air Mile per ₹100 (about 1%) | – |
| Fuel, rent, wallet loads, government, utilities, telecom, insurance, education, EMI, gaming | Nothing | – |
- 1 Air Mile = ₹1 on Kotak Unbox travel, or ₹0.50 as vouchers.
- Miles transfer to Air India and Marriott (3:1) and to Accor, Qatar, BA and others (2:1).
- Miles expire after 3 years.
Benefits
Welcome benefit
- 1,000 Air Miles within 120 days.
Milestones
- 1,000 Air Miles each year the annual fee is charged.
Travel and lounges
- Up to 4 domestic lounge visits a year (2 a quarter), with ₹60,000 spend in the previous quarter.
Fuel and forex
- Forex markup 3.5%.
- 1% fuel surcharge waiver.
Other perks
- Airline and hotel point transfers
Fees and charges
| Joining fee | ₹999 + GST (Kotak sometimes waives it) |
|---|---|
| Annual fee | ₹999 + GST, waived on ₹2.5 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 18+
- Salaried or self-employed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Simple 1% in Air Miles
- Many transfer partners
- Renewal miles cover the fee
Watch out for
- Lounges need ₹60,000 a quarter
- Many categories earn nothing
- High forex markup
Recent changes
- Feb 2026Card launched as the entry card in Kotak’s Air range.
Frequently asked questions
How do I use Kotak Air Miles?
Book flights and hotels on Kotak Unbox at ₹1 a mile, or transfer them to partners like Air India and Marriott.
Ready to apply for the Kotak Air Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
Apply nowSimilar cards
Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.