Travel on Points

Kotak Air+ Credit Card

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  • Joining fee

    Nil (LIMITED TIME OFFER)

  • Annual fee

    ₹3,000 + GST

  • Best suited for

    Travel

  • Reward type

    Air Miles

Rewards

  • Rewards rate

    5 Air Miles/₹100 Spent on Flight & Hotel Booking Through Kotak Unbox. 2 Air Miles/₹100 for All Other Spends

  • Welcome benefits

    2,500 Air Miles

  • Reward redemption

    Transfer Air Miles to Partner Hotels and Airlines Such as Accor, Air Canada, Air France, and More at a 2:1 Ratio

Benefits

  • Domestic lounge

    4 Free Visits Each Year (Maximum of 2 Per Quarter)

  • International lounge

    2 Free Visits Each Year

Fees & charges

  • Foreign currency markup

    2%

  • Interest rates

    3.5% Monthly Rate and 42% Yearly Rate

  • Fuel surcharge waiver

    1% Waiver for Transactions Between ₹400 and ₹7,500 (Maximum ₹4,500 Each Year)

  • Cash advance charges

    2.5% of the Advance Amount, Subject to a Minimum of ₹500

Product highlights

  • This is a travel-focused credit card.
  • Cardholders shall earn Air Miles on their eligible spends.
  • This card provides access to international and domestic airport lounges.
  • The Forex markup charge on this card is quite low, at just 2%, compared to the industry average of 3.5%.

Pros & cons

Pros

  • The Kotak Air+ Credit Card is a sound entry-level air miles card available at a decent joining fee.
  • This card offers renewal and welcome benefits in the form of Air Miles.

Cons

  • The card lacks travel insurance, a concierge service, and global hotel discounts. These features are often sought after in a travel-dedicated credit card.
  • There is no spend-based annual fee waiver with this card. Even though you would receive a renewal benefit of 2,500 Air Miles, you would still have to pay the yearly fee.
  • One of the biggest drawbacks of this card is that no Air Miles are earned on international transactions.

FAQs

What are the joining charges for this card?

This card can be availed by paying a joining and annual charge of ₹3,000 + GST.

How many Air Miles can I earn for flight and hotel bookings via Kotak Unbox?

Accelerated Air Miles earnings are capped at 15,000 for flight and hotel bookings via Kotak Unbox. After reaching this cap normal Air Mile rate shall be applicable.

Will I earn Air Miles for international spends with the Kotak Air+ Credit Card?

No Air Miles are awarded for international spends.