Travel on Points

Kotak Air Credit Card

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  • Joining fee

    Nil (LIMITED TIME OFFER)

  • Annual fee

    ₹999 + GST

  • Best suited for

    Travel

  • Reward type

    Air Miles

Rewards

  • Rewards rate

    Earn 3 Air Miles Per ₹100 On Flight & Hotel Bookings Via Kotak Unbox | 1 Air Mile Per ₹100 On All Other Purchases

  • Welcome benefits

    1,000 Air Miles

  • Reward redemption

    Redeem on Kotak Unbox at 1 Air Mile = ₹1 or Transfer to Partner Airline or Hotel

Benefits

  • Domestic lounge

    One Free Visit Per Quarter on Spending ₹60,000 or More in the Previous Quarter

Fees & charges

  • Spend-based waiver

    Annual Fee Waiver on Spends of ₹2.5 Lakh in a Year

  • Foreign currency markup

    3.5%

  • Interest rates

    3.75% Monthly | 45% Yearly

  • Fuel surcharge waiver

    1% Waiver for Fuel Transactions Between ₹500 and ₹5,000

  • Cash advance charges

    2.5%

Product highlights

  • The Kotak Air Credit Card is an affordable and simple travel offering.
  • This card can be opted for by paying a joining charge of ₹999 + GST.
  • Cardholders shall be eligible for a joining bonus of 1,000 Air Miles on successful payment of joining charges.
  • Kotak Air Credit Cardholders shall be eligible for complimentary domestic airport lounge access. This shall be based on spending requirements
  • Earn 3 Air Miles per ₹100 on flight and hotel bookings via Kotak Unbox, and 1 Air Mile per ₹100 on all other purchases.

Pros & cons

Pros

  • Those looking for a simple Air Miles credit card with an affordable fee structure can consider this card, as it is easy to understand and budget-friendly.

Cons

  • The conversion ratio to partner airlines and hotels could have been better. For example, when transferring to Air India or Marriott Bonvoy, you need 3 Kotak Air Miles to get 1 partner point, which lowers the overall value.

FAQs

How many Air Miles can I earn with this card?

You earn 3 Air Miles per ₹100 on flight and hotel bookings via Kotak Unbox, and 1 Air Mile per ₹100 on all other purchases (except excluded categories).

What is the value of 1 Air Mile earned with the Kotak Air Credit Card?

1 Air Mile = ₹1 when redeemed for flights and hotels on Kotak Unbox. For vouchers, the value may be lower.

Can I transfer Air Miles to airlines and hotels?

Yes, you can transfer Air Miles to selected airline and hotel partners. However, the transfer ratio varies and can go up to 3:1 for some partners.

Does this card offer airport lounge access?

Yes, you get 1 complimentary domestic lounge visit per quarter if you spend ₹60,000 or more in the previous quarter.