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Kotak Air+ Prime Credit Card

Kotak Mahindra BankLast checked 11 Oct 2026

The Kotak Air+ Prime Credit Card costs Rs 3,000 a year, waived if you spend Rs 4,00,000 in a year. Its base return is 2% (2 Air Miles per Rs 100). The forex markup is 2%. Lounge visits in India: 4 per year, max 2 per calendar quarter. Abroad: 2 per year via Priority Pass. Read from the issuer's own documents on 11 Oct 2026.

Annual fee
Rs 3,000+ GST
Fee waived at
Rs 4,00,000annual spend
Base return
2%
Forex markup
2%
Interest
3.5%a month
Apply on kotak.bank.inOpens the bank’s own page.

Fees

Joining feeRs 3,000
Annual feeRs 3,000
Annual spend that waives the feeRs 4,00,000
Fee notesRs 3,000 joining and annual; MITC waives annual fee on Rs 4 lakh retail spend in the anniversary year.

Rewards

Welcome benefit3,000 Air Miles within 120 days, only if the joining fee is paid; 3,000 Air Miles within 30 days of each annual fee payment
Reward currencyKotak Air Miles
Base earn2 Air Miles per Rs 100
Base return2%
Point value1 Air Mile = Rs 1 on flights/hotels via Kotak Unbox
Accelerated earn5 Air Miles per Rs 100 on flight/hotel bookings via Kotak Unbox; 5 per Rs 100 at auto dealer merchants (MCC 5013, 5511, 5521, 5533)
CapsUnbox travel: 15,000 Air Miles per statement cycle. Auto dealers: 1,500 Air Miles per cycle. Insurance (MCC 6300) earns on up to Rs 25,000 spend per cycle. After caps, 2 per Rs 100.
Spends that earn nothingUtility, telecom, education, government, rent, fuel, wallet loads, EMI, online gaming, cash advance, international spends; insurance MCCs 5960, 6381, 6399
Points expiry3 years from accrual
Reward notesMin 200 miles to redeem, max 80% of booking value; min 1,000 for partner transfers. The product page states instant vouchers at '1 Air Mile = Rs 5', which looks like a typo for Rs 0.5; not relied on. base_return_pct = 2 miles per Rs 100 at Rs 1.

Transfers

PartnersAir India Maharaja Club, British Airways, Cathay Pacific Asia Miles, Air France-KLM Flying Blue, United MileagePlus, Qatar Airways Privilege Club, Air Canada Aeroplan, Etihad Guest, Accor ALL, Marriott Bonvoy
Ratio2 Air Miles : 1 for all eight airlines and Accor; 3 : 1 for Marriott. Min 1,000 miles, no maximum.

Travel and perks

Domestic lounge4 per year, max 2 per calendar quarter
International lounge2 per year via Priority Pass
Lounge conditionsPrimary cardholder only; no spend condition stated
Forex markup2%
Fuel surcharge waiver1% on Rs 400-7,500 txns, cap Rs 4,500 per anniversary year

Charges and eligibility

Interest per month3.5%
Late payment feeBy outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300
Cash advance fee2.5% min Rs 500
EligibilityNot stated on issuer page
Fine-print notesMITC surcharges: 1% on utility spend above Rs 75,000/cycle, fuel above Rs 50,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.

Questions

What is the annual fee of the Kotak Air+ Prime Credit Card?
Rs 3,000 a year, before GST. It is waived if you spend Rs 4,00,000 in a year.
Does the Kotak Air+ Prime Credit Card give airport lounge access?
Yes. In India: 4 per year, max 2 per calendar quarter. Outside India: 2 per year via Priority Pass. Conditions: Primary cardholder only; no spend condition stated
What is the forex markup on the Kotak Air+ Prime Credit Card?
2% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Kotak Air+ Prime Credit Card?
Utility, telecom, education, government, rent, fuel, wallet loads, EMI, online gaming, cash advance, international spends; insurance MCCs 5960, 6381, 6399