Kotak Air Credit Card
Kotak Mahindra Bank
Kotak Air Credit Card
Kotak Mahindra Bank
Annual Fee
₹999
Effective Rate
0.50%
Network
VISA
Point Value
₹0.50/pt
About Kotak Air Credit Card
3 Air Miles/₹100 on flights + hotels via Kotak Unbox; 1 Air Mile/₹100 other. 4 domestic lounge visits/year. Air Miles redeemable for flights, hotels, merchandise.
Best For
Pros & Cons
thumb_upPros
- check_circle4 Domestic Lounge Visits/Year
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹999 with no waiver option
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹0.50 — an effective return of 0.50% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 3% | 300 pts≈ ₹150 |
| All other spends | 1% | 100 pts≈ ₹50 |
Miles can be transferred to partner airlines and hotel loyalty programs. Transfer ratios vary by partner — check the Kotak Mahindra Bank website for current transfer partners and ratios.
Card Benefits
4 Domestic Lounge Visits/Year
4 complimentary domestic airport lounge visits per year.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1 (ANNUAL)
Anniversary Renewal Benefit – 2,500 IndiGo BluChips: Earn 2,500 IndiGo BluChips (≈₹1,000) as renewal benefit on payment of annual fee each year.
Spend ₹1,25,000 (ANNUAL)
Milestone Voucher – 2,500 IndiGo BluChips at ₹1.25L: Earn 2,500 IndiGo BluChips (≈₹1,000) on achieving cumulative annual spends of ₹1,25,000.
Spend ₹2,50,000 (ANNUAL)
Milestone Voucher – 2,500 IndiGo BluChips at ₹2.5L: Earn 2,500 IndiGo BluChips (≈₹1,000) on achieving cumulative annual spends of ₹2,50,000.
Spend ₹6,00,000 (ANNUAL)
Milestone Voucher – 2,500 IndiGo BluChips at ₹6L: Earn 2,500 IndiGo BluChips (≈₹1,000) on achieving cumulative annual spends of ₹6,00,000.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Kotak Mahindra Bank website.
| Annual Fee | ₹999 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Kotak Air Credit Card.
Ready to apply for Kotak Air Credit Card?
Apply directly on the Kotak Mahindra Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.