Kotak Mahindra Bank · Entry
Kotak Air
Earns Kotak Air Miles (Air card)
Where it ranks across all 187 cards
#38 Jewellery & watches
1.0%
direct
#57 Train tickets
1.0%
direct
#61 Cabs & transit
1.0%
direct
#62 Other
1.0%
direct
#64 Health & pharmacy
1.0%
direct
#67 Electronics
1.0%
direct
#75 Hotels
1.0%
direct
portal reaches 3.0%
#76 Fashion
1.0%
direct
#77 Flights
1.0%
direct
portal reaches 3.0%
#77 Movies & events
1.0%
direct
#78 Online shopping
1.0%
direct
#79 Groceries
1.0%
direct
#79 Food delivery
1.0%
direct
#83 Dining out
1.0%
direct
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Air Miles ~₹1 on Unbox travel (bank T&C)
Points valued at ₹1/pt - conservative, what rankings use · transfers reach up to ₹1.15/pt via Accor ALL (Live Limitless) at 2:1
Reward rules1 direct
Base rate - everything not covered below
1.00%base rate
1 pt / ₹100
source
Source: Kotak Air (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
Via portals & vouchersdisplay, never ranks
3 Air Miles/₹100 on flights & hotels via Kotak Unbox
via unbox · 5,000 pts/month
source & note
Accelerated Air Miles capped 5,000/statement cycle (≈₹2.5L spends); beyond that travel earns 1 AM/₹100.
Source: Kotak Air detailed T&C PDF (kotak.bank.in) - images.kotak.bank.in - read 21 Aug 2026
3.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Accor ALL (Live Limitless)
2:1 ratio
5,000 ptsworth ₹10,500-₹11,500
British Airways Executive Club (Avios)
2:1 ratio
5,000 ptsworth ₹3,500-₹9,000
Cathay Asia Miles
2:1 ratio
5,000 ptsworth ₹3,500-₹10,000
Air France-KLM Flying Blue
2:1 ratio
5,000 ptsworth ₹3,500-₹10,000
Qatar Airways Privilege Club (Avios)
2:1 ratio
5,000 ptsworth ₹3,500-₹9,000
United MileagePlus
2:1 ratio
5,000 ptsworth ₹3,000-₹9,000
Air India Maharaja Club
3:1 ratio
3,333 ptsworth ₹2,000-₹5,999
Marriott Bonvoy
3:1 ratio
3,333 ptsworth ₹1,500-₹2,166
Maharaja and Marriott at 3:1, everything else 2:1. At least 1,000 Air Miles per transfer; 1 lakh Air Miles a year at most.
Earns nothing on10 exclusions
Utility bills
earns nothing
Utilities & telecom earn nothing (bank T&C MCC list).
→ use FIRST Private here (6.6%)
detail & source
categories: Utility bills · MCCs: 4812, 4814, 4899, 4900
Source: Kotak Air (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
Mobile / broadband
earns nothing
Telecom earns nothing.
→ use FIRST Private here (6.6%)
detail & source
categories: Mobile / broadband · MCCs: 4812, 4814
Source: Kotak Air (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
Insurance
earns nothing
Insurance earns nothing.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 5960, 6300
Source: Kotak Air (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
Education
earns nothing
Education earns nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8220, 8241, 8244, 8249, 8299
Source: Kotak Air (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
Government / tax
earns nothing
Government spends earn nothing.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950
Source: Kotak Air (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
Rent
earns nothing
Rent earns nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: Kotak Air (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
Fuel
earns nothing
Fuel earns nothing (surcharge waiver instead).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5552, 5983
Source: Kotak Air (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
Wallet load
earns nothing
Wallet loads earn nothing.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: Kotak Air (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
Gaming
earns nothing
Gaming earns nothing.
→ use FIRST Private here (6.6%)
detail & source
categories: Gaming · MCCs: 5816, 7994
Source: Kotak Air (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
EMI
earns nothing
EMI transactions earn nothing.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Kotak Air (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026