Kotak Air+ Credit Card

Kotak Mahindra Bank · ₹3,000 a year · fee waived on ₹4,00,000 of annual spend

A travel card worth 2% on everyday spend, for someone who redeems for flights and hotels.

Base rate: 2% as Air Mile.

What the bank says

• 2 Air Miles per ₹100; 5 on flights and hotels via Kotak Unbox
• 1 Air Mile = ₹1 on flights and hotels
• 2,500 Air Miles on joining and renewal
• Foreign currency markup of 2%

Things that catch people out

• Kotak values Air Miles only when spent on flights and hotels, so this card is ranked only if you redeem for travel.
• The 5 Air Miles per ₹100 on Kotak Unbox bookings and the 2,500 Air Miles on each fee payment are not in our figure.
• No Air Miles on utilities, telecom, insurance, education, government, rent, fuel, wallets, EMI, gaming or international spends.

Joining fee: ₹3,000. Foreign currency markup: 2%.

Read from Kotak Mahindra Bank’s own page on 2026-09-16.

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