Kotak Mahindra Bank
VISA•••• •••• •••• 4242
Kotak Air+ Credit Card
Kotak Air+ Credit Card
Kotak Mahindra Bank
Annual Fee
₹3,000
Effective Rate
0.50%
Network
VISA
Point Value
₹0.50/pt
About Kotak Air+ Credit Card
5 Air Miles/₹100 on flights + hotels via Kotak Unbox; 2 Air Miles/₹100 other. Enhanced lounge access. Air Miles redeemable for flights, hotels, merchandise.
Best For
Pros & Cons
thumb_upPros
- check_circleComplimentary Lounge Access
thumb_downCons
- cancelAnnual fee of ₹3,000 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 | 5% | 500 pts≈ ₹250 |
| All other spends | 2% | 200 pts≈ ₹100 |
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
Complimentary Lounge Access
Complimentary domestic airport lounge access.
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 | ₹3,000 |
| 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.