What is the minimum and maximum credit limit for the Kotak Air+ Credit Card?

The credit limit is determined by Kotak Bank based on your income, credit history, CIBIL score, and existing relationship with the bank. There is no fixed minimum or maximum limit. .

Is it possible to transfer the Air Miles to another person?

Air Miles cannot be directly transferred to other cardholders. .

Is the fuel surcharge waiver applicable on all fuel purchases?

The fuel surcharge waiver is applicable only for fuel transactions at petrol pumps across India, ranging from Rs.400 to Rs.7,500. The maximum total waiver is capped at Rs.4,500 per anniversary year. .

Can I add a supplementary cardholder to my Kotak Air+ Credit Card?

Yes, you can add supplementary cardholders to your Kotak Air+ Credit Card. Supplementary cardholders share your credit limit and can earn Air Miles on their transactions. .

How can I check the accumulated Air Miles Balance on the Kotak Air+ Credit Card?

You can check your Air Miles balance through multiple ways such as Kotak Bank Mobile App, Kotak Net Banking, SMS, and Customer Service. .

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Kotak Air+ Credit Card

The Kotak Air+ Credit Card allows you to earn air miles on every transaction, offers premium lounge access, and benefits from exclusive travel perks.

With accelerated rewards on flight and hotel bookings through Kotak Unbox, combined with domestic and international lounge benefits, the Kotak Air+ Credit Card is designed for travellers. Whether you're a frequent flyer or an occasional traveller, this co-branded credit card provides value and convenience.

Key Highlights of Kotak Air+ Credit Card

The key highlights of the Kotak Air+ Credit Card are listed below:

Air Miles: Earn 5 Air Miles for every Rs.100 spent on flight and hotel bookings through Kotak Unbox, and 2 Air Miles for every Rs.100 spent on other eligible purchases.
Welcome Benefit: Receive 2,500 Air Miles within 120 days of card issuance upon payment of the joining fee.
Annual Renewal Benefit: Earn 2,500 Air Miles every card anniversary after paying the annual fee.
Airport Lounge Access: 2 complimentary international lounge visits and 4 complimentary domestic lounge visits annually for primary cardholders.
Low Forex Mark-up: 2% foreign currency mark-up on international transactions.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on eligible fuel transactions between Rs.400 and Rs.7,500, with a maximum benefit of Rs.4,500 per anniversary year.

Features and Benefits of Kotak Air+ Credit Card

Air Miles Earning Programme

Earn Air Miles on travel and everyday spending.

Accelerated Rewards: Earn 5 Air Miles for every Rs.100 spent on flight and hotel bookings through Kotak Unbox.
Regular Rewards: Earn 2 Air Miles for every Rs.100 spent on all other eligible purchases.
Joining Bonus: 2,500 Air Miles credited within 120 days of card issuance, subject to payment of the joining fee.
Annual Renewal Bonus: 2,500 Air Miles credited every anniversary year after payment of the annual fee.
Flexible Redemption: Minimum 200 Air Miles required for flight and hotel bookings through Kotak Unbox, and 1,000 Air Miles for transfers to partner airlines and hotels.

Travel Perks and Airport Lounge Access

Travel comfortably with complimentary lounge access.

2 Complimentary International Lounge Visits annually through Priority Pass.
4 Complimentary Domestic Lounge Visits annually (maximum 2 visits per calendar quarter).
Lounge benefits are available only for primary cardholders.

Foreign Exchange Benefits

Save on international spending.

2% Forex Mark-up Fee on international transactions.
Global Acceptance at millions of merchant locations worldwide.

Fuel Benefits

Save on fuel purchases across India.

1% Fuel Surcharge Waiver on fuel transactions between Rs.400 and Rs.7,500.
Maximum waiver of Rs.4,500 per anniversary year.

Exclusions from Air Miles Earning

Air Miles are not earned on the following transactions:

Utility and telecom bill payments
Insurance premium payments
Education and government payments
Rent payments
Fuel purchases
Wallet loading transactions
EMI (Equated Monthly Instalment) transactions
Online gaming transactions
Cash advance withdrawals
International transactions

Air Miles Redemption Details

Redeem your Air Miles for travel and partner rewards.

Redemption Value: 1 Air Mile = Rs.1 for flight and hotel bookings through Kotak Unbox.
Partner Transfers: Transfer Air Miles to participating airline and hotel loyalty programmes.
Maximum Redemption: Up to 80% of the booking value can be redeemed using Air Miles on Kotak Unbox.
Minimum Redemption Requirement: 200 Air Miles for Kotak Unbox bookings.

Eligibility Criteria for Kotak Air+ Credit Card

Applicants must meet the following eligibility requirements:

Criteria	Requirement
Age	21 to 60 years
Employment Type	Salaried or Self-Employed
Minimum Income (Salaried)	Rs.3,00,000 per annum (Rs.25,000 per month)
Minimum Income (Self-Employed)	ITR showing at least Rs.3,00,000 annual income
Credit History	Good credit score and repayment history preferred
Recommended CIBIL Score	750 or above
Banking Relationship	Existing Kotak Bank customers preferred but not mandatory

How to Apply for Kotak Air+ Credit Card

Follow these steps to apply online:

Visit the Kotak Bank website and select the Kotak Air+ Credit Card application.
Enter your personal, professional, and financial details.
Upload the required documents, including PAN Card, Aadhaar Card, income proof, and address proof.
Kotak Bank will verify your documents and credit history.
Once approved, you will receive the application decision, typically within 24–48 hours for online applications.
The credit card will be delivered to your registered address within 7–10 working days.

Documents Required for Kotak Air+ Credit Card

Applicants generally need to submit the following documents:

Identity Proof

PAN Card
Aadhaar Card or Voter ID
Recent Passport-Size Photograph

Address Proof

Utility Bill
Rental Agreement

Income Proof

Latest Salary Slip (for salaried applicants)
Income Tax Return (ITR) for the last 2 years (for self-employed applicants)
Latest 3–6 Months' Bank Statements

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FAQs

What is the minimum and maximum credit limit for the Kotak Air+ Credit Card?
The credit limit is determined by Kotak Bank based on your income, credit history, CIBIL score, and existing relationship with the bank. There is no fixed minimum or maximum limit.
Is it possible to transfer the Air Miles to another person?
Air Miles cannot be directly transferred to other cardholders.
Is the fuel surcharge waiver applicable on all fuel purchases?
The fuel surcharge waiver is applicable only for fuel transactions at petrol pumps across India, ranging from Rs.400 to Rs.7,500. The maximum total waiver is capped at Rs.4,500 per anniversary year.
Can I add a supplementary cardholder to my Kotak Air+ Credit Card?
Yes, you can add supplementary cardholders to your Kotak Air+ Credit Card. Supplementary cardholders share your credit limit and can earn Air Miles on their transactions.
How can I check the accumulated Air Miles Balance on the Kotak Air+ Credit Card?
You can check your Air Miles balance through multiple ways such as Kotak Bank Mobile App, Kotak Net Banking, SMS, and Customer Service.

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