3 Air Miles per ₹100 on flight & hotel bookings via Kotak Unbox, and 1 Air Mile per ₹100 on all other purchases
1,000 Bonus Air Miles as a welcome benefit, plus 1,000 Bonus Air Miles on each anniversary renewal
4 airport lounge visits a year subject to ₹60,000 spend in the previous calendar quarter max 2 per quarter
Fees
Joining Fee1,000 Bonus Air Miles as Welcome Benefit
₹1,179
₹999 + GST
Annual FeeThe annual fee is waived if you spend ₹2.5 lakh or more in a year on your card, as per bank policy
₹1,179
₹999 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of 2% of the payment amount minimum ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentA fee of ₹100 is levied for cash payment made at the branch
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1000
₹500
₹1001 - ₹5000
₹600
₹5001 - ₹10000
₹750
₹10001 - ₹25000
₹900
₹25001 - ₹50000
₹1100
Above ₹50000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
