Kotak Air Credit Card
Kotak Mahindra Bank
An entry-level travel card — modest miles rate, but real lounge access at a low fee.
₹999
Joining fee
₹999
Annual fee
No automatic spend-based waiver; instead 1,000 bonus Air Miles credited on joining and on renewal, which aggregator notes effectively offsets the fee.
3.5%
Forex markup
4.0 / 5
Rating
Eligibility
Estimated minimum income: ₹30,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 690+
Estimated — not officially confirmed by the bank.
Lounge access
4 domestic visits per year
Domestic: 4 complimentary visits/year, capped at 2 per calendar quarter, gated by minimum Rs 60,000 spend in the preceding quarter, Rs 2 validation charge per visit (official-sourced), primary cardholders only
International: not offered
Key features
- 1,000 Air Miles welcome + renewal
- 3 Air Miles/₹100 via Kotak Unbox travel bookings
- 4 domestic lounge visits/year
Reward details
1 Air Mile per Rs 100 on all other purchases
- 3 Air Miles per Rs 100 on Flight & hotel bookings via Kotak Unbox — 5,000 Air Miles per statement cycle/month
Welcome bonus: 1,000 Air Miles
- Renewal: 1,000 Air Miles
Redemption
Redeemable for flights/hotels, vouchers, or transferred to airline/hotel partners.
Ratio: 1 Air Mile = Rs 1 (flights/hotels); Rs 0.50 (vouchers); up to 2:1 conversion to partners
Excluded from rewards: utility/telecom, insurance, education, government payments, rent, fuel, wallet loading, EMI, online gaming, cash advances
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Up to 3% savings on travel spend; bonus Air Miles said to be worth the card fee every year — Paisabazaar
Complaints
- Spend-based condition gating lounge access; accelerated rewards limited strictly to Kotak Unbox travel bookings — Paisabazaar
Sources
- Official — fees, lounge
- Aggregator — rewards, sentiment