Kotak Air+ Credit Card
VisaKotak Air+ earns 4 Air Miles per ₹100 spent on airline bookings via popular portals and 1 Air Mile on all other spends.
Welcome Benefit
3,500 Air Miles on joining.
Estimated value: ₹2,800
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹3,500 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: Kotak Reward Points (points) · 1 point = ₹0.25
| Category | Earn Rate |
|---|---|
| All Other Spends | 1 Air Mile per ₹100 |
| Airline Bookings (MakeMyTrip/Goibibo/Cleartrip/IRCTC) | 4 Air Miles per ₹100 on airline bookings |
Base reward points uncapped. Accelerated/bonus category points may be subject to monthly caps.
Points expire after 24 months
Milestone Benefits
Earn 3,000 bonus reward points on crossing ₹3 lakh annual spend.
Value: ₹1,500
Milestone tracked from card anniversary date.
Lounge Access
2 domestic lounge visits per quarter.
Travel Benefits
Complimentary hotel upgrades at partner properties. Early check-in and late check-out at IHG and Marriott properties upon availability. Dedicated travel desk for itinerary planning.
✓ Air miles conversion available
5–10% additional discount on flight and hotel bookings made through the bank's travel portal (SmartBuy / Yatra / MakeMyTrip).
Complimentary travel insurance on purchase of international air tickets using this card. Covers trip cancellation, missed connection, and baggage loss.
Lifestyle Benefits
Dining Discounts
15–25% discount at partner restaurants through the bank's dining programme (EazyDiner/Dineout/bank portal). Valid on dine-in only.
via EazyDiner / Dineout
Value: ₹3,600
Movie / Entertainment Offers
Buy-one-get-one free or flat discount on movie tickets via BookMyShow / PVR / INOX. Typically up to 2 tickets per month.
via BookMyShow / PVR / INOX
Value: ₹2,400
Insurance Cover
purchase_protection
Purchase protection insurance covers eligible purchases made on the card against accidental damage or theft within 90 days from the date of purchase.
₹1,00,000 per claim
travel_insurance
Complimentary air accident cover of ₹50 lakh on purchasing air tickets using the card. Covers accidental death while travelling on a common carrier.
₹50 lakh air accident cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Salaried: ₹50,000+ per month. Self-employed: ₹7,50,000+ p.a. Age: 21–65.
Editor Rating
Pros
- + Strong air miles earning rate
- + Lounge access at major airports
- + Miles transferable to airline programs
Cons
- – High annual fee
- – Benefits require significant spend to be cost-effective
- – Miles have expiry dates
The Kotak Air+ Credit Card is a premium credit card from Kotak Mahindra Bank tailored for travel enthusiasts with miles earning and lounge access. At ₹3,500/year, the card is best suited for high spenders who can leverage its premium benefits.