Kotak Mahindra Bank · Mid
Kotak Air+ Prime
Earns Kotak Air Miles (Air+ Prime)
Where it ranks across all 187 cards
#3 Other
5.0%
direct
#16 Jewellery & watches
2.0%
direct
#21 Train tickets
2.0%
direct
#25 Health & pharmacy
2.0%
direct
#26 Cabs & transit
2.0%
direct
#30 Electronics
2.0%
direct
#32 Flights
2.0%
direct
portal reaches 5.0%
#35 Dining out
2.0%
direct
#35 Hotels
2.0%
direct
portal reaches 5.0%
#38 Online shopping
2.0%
direct
#38 Movies & events
2.0%
direct
#39 Groceries
2.0%
direct
#39 Fashion
2.0%
direct
#40 Food delivery
2.0%
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 rules2 direct
Base rate - everything not covered below
2.00%base rate
2 pts / ₹100
source
Source: Kotak Air+ Prime (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
5 AM/₹100 at auto dealers (MCC 5013/5511/5521/5533)
5.00%this rule
5 pts / ₹100
how it works & source
MCC-scoped (5013/5511/5521/5533) - shown under Other. International spends earn no Air Miles: see the intl exclusion below, which is what the engine reads.
Source: Kotak Air+ Prime page - kotak.com - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
5 Air Miles/₹100 on flights & hotels via Kotak Unbox
via unbox · 15,000 pts/month
source & note
Accelerated Air Miles capped 15,000/statement cycle; beyond that 2 AM/₹100. Auto-dealer 5x capped 1,500 AM/cycle separately.
Source: Kotak Air+ Prime detailed T&C PDF (kotak.bank.in) - images.kotak.bank.in - read 21 Aug 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
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
Air India Maharaja Club
2:1 ratio
5,000 ptsworth ₹3,000-₹9,000
United MileagePlus
2:1 ratio
5,000 ptsworth ₹3,000-₹9,000
2:1 to every partner (Marriott 3:1). At least 1,000 Air Miles per transfer; no yearly limit.
Earns nothing on11 exclusions
International transactions
earns nothing
International transactions earn NO Air Miles, despite the 2% forex mark-up the card advertises.
detail & source
The bank states this as a note directly under that forex benefit.
international: yes
Source: Kotak Air+ Prime page - Low Foreign Currency Mark-up: "Note: No Air Miles will be accrued on International Transactions" - kotak.com - read 21 Sep 2026
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+ Prime (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+ Prime (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, 6381, 6399, 6300
Source: Kotak Air+ Prime (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+ Prime (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+ Prime (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+ Prime (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+ Prime (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+ Prime (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+ Prime (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+ Prime (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026