Kotak
Kotak Air Credit Card
This is an invite only card
Apply and get ₹1250 Rewards
Top Benefits
Enjoy 4 Complimentary Domestic Lounge
lounge visits annually for primary cardholders subject to spends of ₹60,000 in the previous calendar quarter
Earn 3 Air Miles for Every ₹100 spent on Flight & Hotel Booking
via Kotak Unbox, and 1 Air Mile for every ₹100 on all other spends
Best For
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹1,179 ( ₹999 + GST )
Annual Fees
₹1,179 ( ₹999 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 3 Air Miles per ₹100 on flight & hotel bookings via Kotak Unbox, and 1 Air Mile per ₹100 on all other purchases
- 1,000 Bonus Air Miles as a welcome benefit, plus 1,000 Bonus Air Miles on each anniversary renewal
- 4 airport lounge visits a year subject to ₹60,000 spend in the previous calendar quarter max 2 per quarter
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Air Mile = ₹1
Redemption Options
- Flight & Hotel booking
- Instant Vouchers
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Kotak Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Kotak Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Utility Bills
Telecom
Insurance
Education
Government Spends
Rent
Wallet Loads
Online Skill-based Gaming
EMI
Cash Withdrawals/Advance
For Spends Waiver
Utility Bills
Telecom
Insurance
Education
Government Spends
Rent
Wallet Loads
Online Skill-based Gaming
EMI
Cash Withdrawals/Advance
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2% of the payment amount minimum ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹100 is levied for cash payment made at the branch | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001 - ₹25000 | ₹900 |
| ₹25001 - ₹50000 | ₹1100 |
| Above ₹50000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1250 Rewards
Top Benefits
Enjoy 4 Complimentary Domestic Lounge
lounge visits annually for primary cardholders subject to spends of ₹60,000 in the previous calendar quarter
Earn 3 Air Miles for Every ₹100 spent on Flight & Hotel Booking
via Kotak Unbox, and 1 Air Mile for every ₹100 on all other spends
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