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Frequently Asked Questions

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What is the Joining or Annual Fee on my Kotak Air+ Credit Card?

Joining and Annual Fees for Kotak Air+ Credit Card is ₹3,000 + GST

Is there any capping on earning Base Air Miles on my card?

There is no capping for earning base Air Miles. For every eligible spends, customer will earn 2 Air Miles for every ₹100 spent

Post making transaction, when will Air Miles get credited in my card?

Air Miles will get credited in your card account within 5 days of transaction settlement

Where I can see overall Air Miles Balance that I have earned on my card?

You can see your latest Air Miles Balance on Kotak Mobile Banking App

  • Log in to new Kotak Mobile Banking App
  • Click on “Wallet” Icon or click on “Credit Cards”
  • Select “Kotak Air+ Credit Card”
  • Scroll to “Air Miles” section to check your latest Air Miles balance

How can I use Air Miles that I have earned on my card?

Air Miles earned can be used for booking flights, hotel stays or can be transferred to preferred hotel/airline partners

  • Flight and Hotel Booking through Kotak Unbox
  • Transfer Air Miles to preferred Airline & Hotel Partners

What is the redemption value of Air Miles?

Option 1: 1 Air Mile = ₹1 when redeemed for Flight and Hotel Booking through Kotak Unbox

Option 2: Transfer Air Miles to preferred Airline & Hotel Partners. Refer table below for conversion ratios:

Hotel/Airline Partner

Loyalty Program Name

Air Miles: Partner Miles Ratio

Air Canada

Aero Plan

2:1

Air France

Flying Blue

2:1

British Airways

Executive Club

2:1

Cathay Pacific

Asia Miles

2:1

Etihad Airways

Etihad Guest

2:1

Qatar Airlines

Privilege Club

2:1

United Airlines

MileagePlus

2:1

Accor

ALL - Accor Live Limitless

2:1

Marriot

Marriott Bonvoy

3:1

Air India

Maharaja Club

2:1

Singapore Airlines

Krisflyer Miles

2:1

What is the Joining or Annual Fee on my Kotak Air+ Credit Card?

Option 1: Travel Booking on Kotak Unbox

  • Minimum 200 Air Miles are required for Flight & Hotel Booking on Kotak Unbox
  • Customers will have an option to decide how much he/she wants to pay via Air Miles and Air+ Credit Card
  • Maximum Air Miles Redemption allowed for Flight/Hotel Booking on Kotak Unbox is up to 80% of the booking value

Option 2: Transfer Air Miles to preferred partners on Kotak Unbox

  • Minimum 1,000 Air Miles required for transferring into respective Hotel and Airline Partners
  • No max capping on transferring Air Miles to partner Hotel & Airline Partners

Are there any charges on redemption of Air Miles?

No, there will be no charges levied for redemption of Air Miles

Do I have Lounge Access on my card?

Yes, you will have both International and Domestic Lounge Access on your Kotak Air+ Credit Card

  • 2 Complimentary International Lounge Access annually (Primary Cardholders)
  • 4 Complimentary Domestic Lounge Access annually (Primary Cardholders)

How do I access Lounge with my card?

You need to present your Kotak Air+ Credit Card to respective lounge employees at the time of utilising the lounge along with a valid boarding pass and government ID proof

Do I get waiver on my Fuel Transactions?

You will get 1% fuel surcharge waiver across all petrol pumps in India. The waiver will only be applicable on transactions between ₹400-7,500 and will be capped at ₹4,500 in an anniversary year

Will I get waiver for Joining or Annual Fee on my Kotak Air+ Credit Card?

Joining/Annual Fee Waiver is not applicable

How can I activate my Credit Card?

To activate your card. Follow below steps

  • Log in to new Kotak Mobile Banking App
  • Click on “Wallet” Icon or click on “Credit Cards”
  • Click on “Card Controls”
  • Click on “Generate Card PIN”
  • Generate your new Card PIN by entering details

You can also activate your card by updating card controls or making a transaction or by giving missed call on 76690 10000

What is Air Miles? How will I earn Air Miles?

Rewards Points that you earn by using Kotak Air+ Credit Card are called as “Air Miles. You will earn Air Miles as follows:

  • 5 Air Miles for every ₹100 spent for Flight and Hotel Booking on Kotak Unbox
  • 2 Air Miles for every ₹100 spent on other purchases

How do I access Kotak Unbox Platform?

Refer below steps to access Kotak Unbox on Kotak Mobile Banking App

  • Log in to new Kotak Mobile Banking App
  • Click on “Wallet” Icon or click on “Credit Cards”
  • Select “Kotak Air+ Credit Card”
  • Scroll to “Air Miles” section to check your latest Air Miles balance
  • Click on “Redeem” tab under Air Miles section to get re-directed to Kotak Unbox within the app

Will I earn Air Miles on International Transactions?

No, you will not earn Air Miles on International Transactions

Will I earn Air Miles on EMI Transactions or Cash Withdrawals?

No, you will not earn Air Miles on EMI Transactions or Cash Withdrawals

On which categories will I not earn Air Miles?

Air Miles will be earned on below mentioned transaction categories

  • Utility/Telecom (4812, 4814, 4899, 4900)
  • Insurance (5960, 6300)
  • Education and Government (8211, 8220, 8241, 8244, 8249, 8299, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950)
  • Rent (6513)
  • Fuel (5172, 5541, 5542, 5552, 5983)
  • Wallet Loading (6540)
  • Gaming & Gaming Digital (5816, 7994)
  • EMI
  • Cash Advance
  • International Transactions

Is there any capping on earning Accelerated Air Miles on my card?

Accelerated Air Miles earn for Flight/Hotel Booking on Kotak Unbox is capped at 15,000 Air Miles per statement cycle. On achieving capping limit within same statement cycle, customer will continue to earn base Air Miles benefit i.e., 2 Air Miles for every ₹100 spent.

E.g.: If a customer spends ₹5,00,000 on Flight/Hotel booking through Kotak Unbox in a statement cycle, they will reach the limit of 15,000 Air Miles in the cycle. Any spends done beyond that within same statement cycle, customers will continue to earn 2 Air Miles for every ₹100 spent (barring exclusions)