Super-Premium Airline Co-Branded Card with Unlimited Domestic Lounges & Accelerated Miles
High-frequency domestic and international business flyers seeking unlimited airport lounge comfort, accelerated flight miles, and luxury golf access.
₹9,999
One-time upfront₹9,999
Waived on ₹8 lakh annual spend6 Air Miles per Rs 100 on airlines, 3 per Rs 100 on other retail
On eligible spends16 Domestic + 8 International visits/year · ₹75k quarterly spend required (Domestic)
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Kotak Air+ Prime Credit Card is Kotak Mahindra Bank's top-tier dedicated aviation credit card, built to compete directly against Axis Atlas, SBI Air India Signature, and ICICI Sapphiro. Carrying a membership fee of ₹9,999 plus GST, the upfront cost is softened by a welcome reward package of 10,000 Air Miles upon card activation, which can be redeemed 1:1 on major partner airline booking platforms or for luxury hotel reservations. The earning structure is tuned for corporate executives and high-spending jetsetters: cardholders earn 10 Air Miles per ₹100 spent on airline and travel tickets, and 4 Air Miles per ₹100 on standard retail spending. The card's standout luxury feature is unlimited complimentary domestic airport lounge access for the primary cardholder across participating lounges in India, alongside 8 complimentary international airport lounge visits annually via Priority Pass. Cardholders also enjoy a reduced foreign currency markup fee of 2.00% and 2 complimentary rounds or lessons of golf per calendar month. While the ₹8,00,000 annual spend waiver is steep, executives who travel fortnightly by air and value unlimited lounge access will find the Kotak Air+ Prime an exceptionally productive travel tool.
Enjoy 2 complimentary domestic airport lounge visits per calendar quarter under Set A + Special Subset and 2 complimentary international lounge visits per year via Priority Pass.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Airlines & Flight Bookings | 6 Air Miles per Rs 100 spent on airline tickets and flight bookings (6% return) | No Cap | Standard terms apply |
| All Other Retail Spends | 3 Air Miles per Rs 100 spent on all other eligible retail transactions (3% return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Airlines & Flight Bookings | ₹12,000 | 6 Air Miles per Rs 100 spent on airline tickets and flight bookings (6% return) | — | None | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 3 Air Miles per Rs 100 spent on all other eligible retail transactions (3% return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹9,999
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Spend Rs 8,00,000 in anniversary year to waive the Rs 9,999 annual renewal fee.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining & Annual Fee: ₹9,999 + GST; waived upon achieving annual retail spends of ₹8,00,000 in the anniversary year. • Welcome Benefit: 10,000 bonus Air Miles credited upon payment of joining fee and first transaction within 60 days. • Air Miles Accrual: 10 Air Miles per ₹100 on airline tickets, hotels, and travel portals; 4 Air Miles per ₹100 on other retail spends. • Domestic Lounges: Unlimited complimentary domestic airport lounge access for primary cardholder at participating terminals in India. • International Lounges: 8 complimentary international airport lounge visits per year via Priority Pass. • Low Forex Markup: Preferential foreign exchange markup of 2.00% + GST on international spends. • Golf Benefits: 2 complimentary golf rounds or lessons per calendar month across premier courses in India. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (maximum waiver ₹500 per billing cycle).
Evaluate whether this card's perks and waiver threshold justify its ₹9,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Kotak Air+ Prime Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Kotak Mahindra Bank portal with paperless verification.
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