Fees read from issuer pageUpdated 2026-07-26
Kotak Mahindra Bank
Kotak Air Credit Card
₹999 a year
LinePersonal
Joining feeNil
Annual fee₹999
Forex markupNot stated
Rewards, as stated by the issuer
- Make every day spends | Earn Air Miles | Explore the world
- Air Miles
- Turn your everyday spends into Air Miles and redeem them for travel
- Earn 3 Air Miles per ₹100 spent on flight & hotel bookings via Kotak Unbox
- Bonus Air Miles
- Get 1,000 bonus Air Miles each as a welcome and renewal benefit
- Earn Accelerated Air Miles
- Earn 3 Air Miles per ₹100 spent on flight & hotel booking through Kotak Unbox
- Accelerated Air Miles on flights & hotel bookings are capped at 5,000 per statement cycle (equivalent to ₹2.5 lakh in spends)
- After hitting 5,000 Air Miles cap, customers will still earn 1 Air Mile per ₹100 spent on additional hotel & flight bookings within the same cycle
- Earn Air Miles on Everyday Spends
- Air Miles will not accrue on: Utility/Telecom, Insurance, Education, Government, Rent, Fuel, Wallet Loading, EMI, Online Gaming & Cash Advance
- Welcome benefit: Earn 1,000 Bonus Air Miles
- Renewal benefit: Earn 1,000 Bonus Air Miles as Renewal Benefit on completion of each anniversary year
- 1,000 Air Miles will be credited within 120 days of card issuance upon payment of joining fees
- 1,000 Air Miles will be credited within 30 days of annual fee payment as renewal benefit
- Travel and Earn: 3 Air Miles per ₹100 spent on flight & hotel booking through Kotak Unbox
- Air Miles Expiry: 3 Years since the date of accrual
Other benefits
- Earn unlimited 1 Air Mile per ₹100 on all other purchases
- Earn unlimited 1 Air Mile per ₹100 spent on other purchases
- Instant Vouchers: 1 Air Mile = ₹0.5
- Welcome/Renewal Benefit
- Air Miles earned can be redeemed for booking flights, hotels, voucher purchase or can be transferred to preferred hotel/airline partners via Kotak Unbox
- Instant Voucher Purchase: 1 Air Mile =₹0.5
- Air Miles redemption for Flight/Hotel booking & voucher purchase via Kotak Unbox:
Welcome & milestones
Welcome
- Welcome benefit: Earn 1,000 Bonus Air Miles
- 1,000 Air Miles will be credited within 120 days of card issuance upon payment of joining fees
Milestones
- 4 Complimentary lounge access subject to customer making quarterly spends of ₹60,000 or more
- Customer makes spends of ₹5,00,000 in an Anniversary Year and is allocated as per segregation mentioned in table above.
Lounge access
Domestic: Enjoy 4 complimentary domestic lounge access, annually · Domestic Lounge Access · 4 complimentary domestic lounge access annually (Primary Cardholders) · Domestic lounge access will be capped at 2 Lounges per calendar quarter · 4 free domestic lounges (2 per Qtr.)
Every fee line found on the page
- 1% fuel surcharge waiver for fuel transactions done on petrol pumps across India
- Fuel surcharge waiver will be applicable for fuel transactions between ₹500-₹5,000. Maximum fuel surcharge waiver is capped at ₹3,500 in an anniversary year
- 1% Fuel Surcharge Waiver
- Joining and Annual Fees for Kotak Air Credit Card is ₹999 + GST