Visa 📡 Contactless NFC

Kotak Air Credit Card

Joining Fee₹999

Annual Fee₹999

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Domestic travelers and airline bookers looking for 3% travel rewards on Kotak Unbox, domestic airport lounge access, and a ₹1.5 Lakh annual spend fee waiver.

Who Should Avoid

Users who cannot meet the ₹60,000 quarterly spend threshold for lounge visits.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

1,000 bonus Air Miles upon payment of joining fee and completing first retail transaction within 30 days

3 Air Miles per ₹100 on Travel

Earn 3 Air Miles per ₹100 (3% travel return) on flight and hotel bookings made via Kotak Unbox.

Domestic Airport Lounge Access

4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter on min ₹60,000 spend in preceding quarter).

Spend-Based Annual Fee Waiver

Annual renewal fee of ₹999 is waived off on spending ₹1,50,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 Air Miles = ₹1

Standard Base Earning

1 Air Mile per ₹100 spent on all other retail transactions (1.0% return; 1 Air Mile = ₹1.00)

Accelerated / Partner Rate

3 Air Miles per ₹100 (3.0% return) on Flight and Hotel bookings via Kotak Unbox; 1 Air Mile = ₹1.00 for travel bookings

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Flight and Hotel Bookings via Kotak Unbox Portal (1 Air Mile = ₹1.00), 1:1 Airline Miles Transfers (Air India, Flying Returns), Brand Vouchers & Electronics

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹60,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹150,000/yr

Annual renewal fee of ₹999 + GST is waived off on spending ₹1,50,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹25,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the Kotak Air Credit Card

Annual Fee: ₹999/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, Kotak Air Credit Card has a joining fee of ₹999 and an annual renewal fee of ₹999 (plus applicable taxes).