The Kotak Air Credit Card is a travel card that earns Air Miles instead of reward points. You get 3 Air Miles per ₹100 on flights and hotels booked through Kotak Unbox and 1 Air Mile per ₹100 on other eligible spends. Since 1 Air Mile = ₹1 when redeemed for flights and hotels on Kotak Unbox, that is a clean 3% and 1% return.
How the Air Miles work
| Where you spend | Air Miles | Value at ₹1 a mile |
|---|---|---|
| Flights and hotels via Kotak Unbox | 3 Air Miles per ₹100 | 3% |
| Other eligible spends | 1 Air Mile per ₹100 | 1% |
| Joining and every renewal fee payment | 1,000 bonus Air Miles | ₹1,000 |
| ₹1.5 lakh spend in a calendar quarter | ₹5,000 travel voucher or equivalent Air Miles | Up to ₹20,000 a year |
Air Miles can be redeemed for travel bookings, vouchers, or transferred to partner airlines and hotels. The ₹1 value applies to flights and hotels booked on Kotak Unbox.
What you would actually earn
Book ₹5,000 a month of travel through Kotak Unbox and spend ₹20,000 elsewhere, and you earn 150 + 200 = 350 Air Miles a month, about ₹4,200 a year. Add the 1,000 bonus miles from the fee payment and the card returns more than its ₹999 fee. Spend ₹1.5 lakh in a quarter and the ₹5,000 voucher adds a big boost on top.
Lounges and other benefits
- Domestic lounges: 4 complimentary airport lounge visits a year, a maximum of 2 a quarter, when you spent ₹60,000 or more in the previous calendar quarter.
- Fuel: 1% surcharge waiver on ₹500–₹5,000 transactions, capped at ₹3,500 a year.
- Zepto offer: 10% instant discount up to ₹125 on orders of ₹999 or more, once a month, valid from 1 October to 9 November 2026.
- Welcome voucher: spend ₹1,000 within 30 days of issuance for a ₹500 Flipkart voucher (claim code shared within 60 days). Valid till 31 October 2026.
Things to watch
- Lounge visits are earned, not automatic: you need ₹60,000 of spending in the previous calendar quarter for that quarter’s visits.
- Only 1 Air Mile per ₹100 outside Kotak Unbox, so everyday spending earns a modest 1%.
- The Zepto and Flipkart offers are short-term and end in October and November 2026.
Fees and charges
| Joining fee | ₹999 + GST |
|---|---|
| Annual fee | ₹999 + GST |
| Bonus on fee payment | 1,000 Air Miles each year |
The offer does not mention a spend-based fee waiver, but the 1,000 bonus miles you get on each fee payment offset the fee entirely before GST.
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Minimum income | ₹35,000 a month |
| Credit score | 700 or above |
| First credit card? | Not allowed |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
How to apply
- Tap Apply on Kotak Bank site on this page to open Kotak Mahindra Bank’s card application.
- Complete the form in one session with your PAN and Aadhaar handy.
- Finish e-KYC or video KYC when prompted.
- Spend ₹1,000 within 30 days of issuance to qualify for the Flipkart voucher while it runs.
Who should get it, and who shouldn’t
Get it if you book flights and hotels a few times a year and are happy to do it through Kotak Unbox. The flat ₹1 mile value makes it easy to know what you are earning.
Skip it if you prefer booking directly with airlines or other travel sites, or rarely travel. Outside Kotak Unbox the return drops sharply.
