Kotak Air+ Prime Credit Card

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

An Air Miles card worth 2% on everyday spend, with a bonus at car dealers.

Base rate: 2% as Air Mile.

What the bank says

• 2 Air Miles per ₹100; 5 at car dealers
• 1 Air Mile = ₹1 on flights and hotels
• 3,000 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.
• No Air Miles on international or fuel spends. Insurance earns on up to ₹25,000 a month.
• Kotak’s page for this card does not list every excluded category; the Air+ card excludes utilities, rent and wallets, so check before relying on bills earning here.

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

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

All 385 cards · Your best cards