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KOTAK
3 Air Miles per Rs. 100 on travel, 1 Mile = Rs. 1, and 1,000 Miles again every renewal
One-time
Per year
Uncapped rewards
Score 750+
Applying takes you to KOTAK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from KOTAK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromFlights
No published ceiling on this tier
Hotels
No published ceiling on this tier
Everything else
No published ceiling on this tier
Insurance, education, government, rent, fuel, wallet loading, EMI, online gaming and cash advances earn no Air Miles. All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
3% on Flights — Flights and hotels booked through Kotak Unbox., with no stated cap.
Biggest limitation
No spend-based fee waiver is published, so the Rs. 999 plus GST fee is payable every year whatever you spend.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
3%
uncappedFlights
Flights and hotels booked through Kotak Unbox.
3%
uncappedHotels
Booked through Kotak Unbox.
1%
uncappedEverything else
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹1,179 | — |
| Annual / renewal fee | ₹1,179 | Rs. 999 + GST. No spend-based waiver is published |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹300 | As published in Kotak's schedule of charges for this card |
| Late payment | Rs. 100 where the statement outstanding is up to Rs. 500, Rs. 500 from Rs. 500.01 to Rs. 10,000, and Rs. 700 above Rs. 10,000 | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹1,179 a year
charged with no published way to avoid it
1% waiver. 1% fuel surcharge waiver on eligible fuel transactions.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
KOTAKKotak Air+ Credit Card₹3,540
KOTAKKotak Urbane Gold Credit Card₹235
KOTAKKotak White Credit Card₹3,540
KOTAKKotak White Reserve Credit Card₹14,750
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177
IDFC BANKIDFC FIRST Mayura Credit Card₹7,079| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Kotak Air Credit Card · this card | ₹1,179 | 3% flights | Included |
| Kotak Air+ Credit Card | ₹3,540 | Up to 5 miles per ₹100 | Included |
| Kotak Urbane Gold Credit Card | ₹235 | Up to 0.3% rewards | No |
| Kotak White Credit Card | ₹3,540 | Up to 8 reward points per ₹150 | Included |
| Kotak White Reserve Credit Card | ₹14,750 | Up to 3 reward points per ₹100 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹1,179 plus GST, with no published spend-based waiver.
The strongest published rate is 3% on flights, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. The issuer publishes no additional spend condition for this card's lounge access.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Insurance, education, government, rent, fuel, wallet loading, EMI, online gaming and cash advances earn no Air Miles. Insurance, education, government, rent, fuel, wallet loading, EMI, online gaming and cash advances earn no Air Miles. Insurance, education, government, rent, fuel, wallet loading, EMI, online gaming and cash advances earn no Air Miles.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Rs. 1 when it is redeemed for a flight or hotel booking, and Rs. 0.50 when it is redeemed against an instant voucher. That gap matters: the card's headline 3 Air Miles per Rs. 100 on travel is 3% back only if you take the value as travel. Redeem for vouchers and the same spending returns 1.5%.
No. Kotak publishes a Rs. 999 plus GST joining fee and the same again annually, with no spend-based waiver condition. What it does publish instead is a renewal benefit of 1,000 Air Miles, worth Rs. 1,000 of travel, which covers most of the Rs. 1,179 charge every year rather than only in the first.
Four complimentary domestic airport lounge visits a year. There is no international lounge access on this card — for that Kotak sells the Air+, which adds two international visits and raises the domestic allowance to four with a limit of two a quarter, for a Rs. 3,000 fee.
Insurance, education, government payments, rent, fuel, wallet loading, EMI conversions, online gaming and cash advances. That is a long list and it includes two categories people often expect to earn — rent and fuel — so the realistic earn rate on a household's total spending is lower than the headline 1 mile per Rs. 100.
Yes, three years from the date they are earned. On a card earning 1 mile per Rs. 100 that is rarely a problem for an active user, but a card left in a drawer will lose its welcome and renewal miles before they are spent.
Kotak does not publish either for this card, which is why we have left both fields empty rather than filling them with another card's numbers. The bank's other consumer cards generally run from age 21 to 65; approval is at Kotak's discretion and the branch will confirm the criteria applied to your application.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
