Kotak Air Credit Card
- Updated On: 28 May, 2026
The Kotak Air Credit Card is a simple and rewarding option that comes with a joining and annual fee of ₹999 + GST. Cardholders receive 1,000 bonus Air Miles on payment of the joining fee and another 1,000 Air Miles on renewal, which helps offset the cost of the card.
This card is well-suited for those who are just starting their miles journey. If you want to accumulate Air Miles and later transfer them to airline or hotel partners, this card can be a good starting point. It offers a decent reward rate of 3 Air Miles per ₹100 spent on flight and hotel bookings through Kotak Unbox. While this works out to an effective 3% return, the benefit is limited to the Kotak Unbox platform, which may feel restrictive for some users.
In addition to its earning structure, the card also offers one complimentary domestic lounge visit per quarter, subject to spending criteria. Considering the low annual fee, this is a valuable addition. Cardholders can also get good value for their spending, as 1 Air Mile equals up to ₹1 when redeemed for flights and hotels on Kotak Unbox.
Kotak Air Credit Card
( 4.4 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
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
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
Earn 3 Air Miles Per ₹100 On Flight & Hotel Bookings Via Kotak Unbox | 1 Air Mile Per ₹100 On All Other Purchases
Reward Redemption
Redeem on Kotak Unbox at 1 Air Mile = ₹1 or Transfer to Partner Airline or Hotel
Travel
N/A
Domestic Lounge Access
One Free Visit Per Quarter on Spending ₹60,000 or More in the Previous Quarter
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Annual Fee Waiver on Spends of ₹2.5 Lakh in a Year
Rewards Redemption Fee
N/A
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 Details
- 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.
Joining and Renewal Benefit
Cardholders are eligible for 1,000 bonus Air Miles on payment of the joining fee and 1,000 Air Miles on payment of the annual fee. This is a valuable benefit, as it largely offsets the fee, making the card almost free in the first year and on renewal.
- 1,000 Air Miles will be credited within 120 days of card issuance after payment of the joining fee.
- 1,000 Air Miles will be credited within 30 days of annual fee payment as a renewal benefit.
Earn Accelerated Air Miles
Cardholders earn 3 Air Miles per ₹100 spent on flights and hotels via Kotak Unbox, and unlimited 1 Air Mile per ₹100 on all other purchases.
Air Miles are not earned on Utility or Telecom payments, Insurance, Education, Government transactions, Rent, Fuel, Wallet Loading, EMI conversions, Online Gaming, or Cash Advances.
Kotak Air Miles Redemption
Air Miles earned can be redeemed for flight and hotel bookings, voucher purchases, or transferred to preferred airline and hotel partners through Kotak Unbox.
| Category | Value |
| Flight & Hotel Booking (Via Kotak Unbox) | 1 Air Mile = ₹1 |
| Voucher Purchase | 1 Air Mile = ₹0.5 |
In addition to the above, cardholders can transfer their Air Miles to several popular hotel and airline partners.
| Partners | Air Miles: Partner Miles |
| Air India | 3:1 |
| British Airways | 2:1 |
| Cathay Pacific | 2:1 |
| Air France | 2:1 |
| United Airlines | 2:1 |
| Qatar Airlines | 2:1 |
| Accor | 2:1 |
| Marriot | 3:1 |
- At least 1,000 Air Miles must be accumulated to initiate a transfer to airline or hotel partners.
- Air Miles transfers are limited to a maximum of 1,00,000 per card account in a calendar year.
Milestone Benefits
Kotak Air Credit Card shall earn a ₹5,000 travel voucher or equivalent Air Miles on every ₹2.5 lakh spent, up to two times in an anniversary year. That means cardholders can unlock flight benefits worth up to ₹10,000 annually just through regular spending.
Bottom Line
Kotak Mahindra Bank has recently expanded its credit card portfolio with several new launches, including co-branded and core offerings like the IndiGo Kotak series and the more premium Kotak Air+ Credit Card. Alongside these, the bank also introduced the reasonably priced Kotak Air Credit Card, which offers strong rewards on Kotak Unbox bookings and access to transfer partners such as Air India, Accor, and Marriott Bonvoy.
Those looking for an affordable Air Miles credit card that is simple to understand should definitely consider this option.
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.
2 comments
Ajay Chawla
Hello,
I’m Salaried employee looking for a credit card for flight booking and other expenses.
Kartik Kanwar
Go for Axis Horizon. Its the best for flights.