Kotak Air+ Credit Card
Kotak Mahindra Bank
The step up from Kotak Air — meaningfully better miles rate and adds international lounge access.
₹3,000
Joining fee
₹3,000
Annual fee
No spend-based fee waiver option (aggregator); official page frames the Rs 3,000 + taxes fee as offset by welcome/renewal Air Miles bonuses rather than waived.
2%
Forex markup
4.3 / 5
Rating
Eligibility
Estimated minimum income: ₹75,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 740+
Estimated — not officially confirmed by the bank.
Lounge access
4 domestic / 2 international visits per year
Domestic: 4 complimentary visits/year, capped at 2/quarter, gated by spend condition consistent with the base Air card; Rs 2 validation fee; primary cardholders only
International: 2 complimentary visits/year via Priority Pass; a $1 validation fee applies but is auto-reversed within 7 business days
Key features
- 5 Air Miles/₹100 on flights/hotels via Kotak Unbox
- 2 Air Miles/₹100 elsewhere
- 4 domestic + 2 international lounge visits/year
- 2,500 Air Miles welcome/renewal
Reward details
2 Air Miles per Rs 100 on other purchases
- 5 Air Miles per Rs 100 on Flight & hotel bookings via Kotak Unbox — 15,000 Air Miles per statement cycle/month
Welcome bonus: 2,500 Air Miles
- Renewal: 2,500 Air Miles
Redemption
Minimum 200 miles required to redeem on Kotak Unbox; transfers to airline/hotel partners require a 1,000+ mile minimum.
Ratio: 1 Air Mile = Rs 1 on the Kotak Unbox platform
Excluded from rewards: utility, telecom, insurance, education, government, rent, fuel, wallet loading, EMI, gaming, cash advances, international transactions (notably, despite the card's forex-focused positioning)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Up to 5% savings on travel spend with miles redeemable at a 1:1 ratio; complimentary airport lounge access described as worldwide — Paisabazaar
Complaints
- No rewards earned on international spend despite the card's 2% forex fee positioning; miles are redeemable only against travel bookings; no annual fee waiver option — Paisabazaar
Sources
- Official — forex, lounge
- Aggregator — fees, rewards, sentiment