Travel
Kotak Air+ Prime Credit Card
Kotak’s stronger travel card: 2 Air Miles per ₹100 on most spends (about 2%), 5 on Kotak Unbox travel, 2% forex markup and international lounges.
Joining fee₹3,000 + GST
Annual fee₹3,000 + GST
Fee waiverOn ₹4 lakh spend a year
Top reward2 Air Miles per ₹100 on most spends
Lounge4 domestic + 2 international
Forex markup2%
Best for: Travellers spending ₹40,000+ a month who use Air India, Marriott or other partners.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Flights and hotels on Kotak Unbox | 5 Air Miles per ₹100 (about 5%) | 15,000 miles a cycle |
| Auto dealers | 5 Air Miles per ₹100 | 1,500 miles a cycle |
| Other spends | 2 Air Miles per ₹100 (about 2%) | – |
| Rent, fuel, utilities, education, government, wallet loads, EMI, gaming, international | Nothing | – |
- 1 Air Mile = ₹1 on Kotak Unbox travel.
- Miles transfer to airline and hotel partners from 1,000 miles.
Benefits
Welcome benefit
- 3,000 Air Miles.
Milestones
- 3,000 Air Miles each year the annual fee is charged.
Travel and lounges
- 4 domestic lounge visits (2 a quarter) and 2 international visits a year with Priority Pass.
Fuel and forex
- Forex markup 2% + GST, but international spends earn no miles.
- 1% fuel surcharge waiver.
Other perks
- Airline and hotel point transfers
Fees and charges
| Joining fee | ₹3,000 + GST (₹3,540) |
|---|---|
| Annual fee | ₹3,000 + GST, waived on ₹4 lakh yearly spend |
| Interest | 3.5% a month |
| Forex markup | 2% |
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
- About 2% back on most spends
- Welcome and renewal miles match the fee
- International lounges
Watch out for
- International spends earn nothing
- High ₹4 lakh waiver
- Many excluded categories
Recent changes
- 8 May 2026Card launched with an auto-dealer bonus.
Frequently asked questions
Kotak Air or Air+ Prime?
Air+ Prime earns double (2 miles per ₹100) and adds international lounges for ₹3,000; Air costs ₹999 and suits lighter spenders.
Ready to apply for the Kotak Air+ Prime Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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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.