Kotak Air Credit Card
Fees
₹1,499 + Taxes
Joining & annual
Reward Rate
3 Air Miles per ₹100 on flights & hotels via Kotak Unbox; 1 Air Mile per ₹100 on other spends
Welcome Bonus
1,000 Air Miles welcome bonus + 1,000 bonus Air Miles on each renewal
Lounge
4 Domestic/yr (2/Qtr, ₹60K Qtr Spend)
Our Expert Take
The Kotak Air Credit Card from Kotak Bank offers Air Travel Bookings & Airport Lounge Access with an annual fee of ₹1,499 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
3 Air Miles per ₹100 on Kotak Unbox travel
Max 5,000 Air Miles per statement cycle
Reached after about ₹1,66,667 of spend
Pros & Cons
Key Advantages
- 1,000 Air Miles welcome bonus, plus 1,000 more on each renewal
- 3 Air Miles per ₹100 on flights & hotels via Kotak Unbox
- 4 domestic lounge visits/year on ₹60,000 quarterly spend
- Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)
Limitations
- Lounge access requires ₹60,000 spend in the preceding quarter
- A nominal ₹2 validation charge applies per lounge visit
- Base reward rate outside travel bookings is just 1 Air Mile per ₹100
Key Perks & Spending Milestones
Accelerated reward earn rate on travel purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Annual fee waived on ₹2.5 Lakh annual retail spends
Fees & Charges
Joining fee
₹1,499 + Taxes
Annual fee
₹1,499 + Taxes
Annual fee waived on ₹2.5 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the Air Miles rate on Kotak Air?
How does lounge access work on Kotak Air?
Compare Kotak Air Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Kotak Air Credit Card This Card | ₹1,499 + Taxes | 3 Air Miles per ₹100 on flights & hotels via Kotak Unbox; 1 Air... | 4 Domestic/yr (2/Qtr, ₹60K Qtr Spend) | 4.2/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |