Kotak Mahindra Bank · Premium
Kotak Air+
Earns Kotak Air Miles (Air+)
Where it ranks across all 187 cards
#17 Jewellery & watches
2.0%
direct
#22 Train tickets
2.0%
direct
#23 Other
2.0%
direct
#26 Health & pharmacy
2.0%
direct
#27 Cabs & transit
2.0%
direct
#31 Electronics
2.0%
direct
#33 Flights
2.0%
direct
portal reaches 5.0%
#36 Dining out
2.0%
direct
#36 Hotels
2.0%
direct
portal reaches 5.0%
#39 Online shopping
2.0%
direct
#39 Movies & events
2.0%
direct
#40 Groceries
2.0%
direct
#40 Fashion
2.0%
direct
#41 Food delivery
2.0%
direct
Get an email if this card changes - sign in.
Bank page: 1 Air Mile = ₹1 when redeemed for Flight and Hotel Booking through Kotak Unbox
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
2.00%base rate
2 pts / ₹100
source
Source: Kotak Air+ Credit Card page - kotak.bank.in - read 21 Sep 2026
Via portals & vouchersdisplay, never ranks
5 Air Miles / ₹100 on flights & hotels via Kotak Unbox
via unbox · 15,000 Air Miles per statement cycle
source & note
Past the cap the card reverts to the base 2 Air Miles per ₹100 for the rest of the cycle, it does not stop earning.
Source: Kotak Air+ Credit Card page - kotak.bank.in - read 21 Sep 2026
5.0%
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
Air Canada Aeroplan
2:1 ratio
5,000 ptsworth ₹4,000-₹11,000
Air France-KLM Flying Blue
2:1 ratio
5,000 ptsworth ₹3,500-₹10,000
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
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
Etihad Guest
2:1 ratio
5,000 ptsworth ₹2,500-₹7,500
At least 1,000 Air Miles per transfer, with no yearly limit. Air India is not a partner on this card.
Earns nothing on10 exclusions
International transactions
earns nothing
International transactions earn NO Air Miles, despite the 2% forex mark-up the card advertises as a headline benefit.
detail & source
international: yes
Source: Kotak Air+ Credit Card page - kotak.bank.in - read 21 Sep 2026
Utility bills, Mobile / broadband
earns nothing
Utility and telecom spends earn nothing.
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills, Mobile / broadband
Source: Kotak Air+ Credit Card page - kotak.bank.in - read 21 Sep 2026
Insurance
earns nothing
Insurance earns nothing.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance
Source: Kotak Air+ Credit Card page - kotak.bank.in - read 21 Sep 2026
Education
earns nothing
Education earns nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education
Source: Kotak Air+ Credit Card page - kotak.bank.in - read 21 Sep 2026
Government / tax
earns nothing
Government spends earn nothing.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: Kotak Air+ Credit Card page - kotak.bank.in - read 21 Sep 2026
Rent
earns nothing
Rent earns nothing.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent
Source: Kotak Air+ Credit Card page - kotak.bank.in - read 21 Sep 2026
Fuel
earns nothing
Fuel earns nothing. A 1% surcharge waiver applies instead, on transactions between ₹400 and ₹7,500, capped at ₹4,500 per anniversary year.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Kotak Air+ Credit Card page - kotak.bank.in - read 21 Sep 2026
Wallet load
earns nothing
Wallet loading earns nothing.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: Kotak Air+ Credit Card page - kotak.bank.in - read 21 Sep 2026
EMI
earns nothing
EMI earns nothing. Cash advances earn nothing either.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Kotak Air+ Credit Card page - kotak.bank.in - read 21 Sep 2026
Gaming
earns nothing
Online gaming earns nothing.
→ use FIRST Private here (6.6%)
detail & source
categories: Gaming
Source: Kotak Air+ Credit Card page - kotak.bank.in - read 21 Sep 2026