All Benefits
- Travel rewards card earning Air Miles on every spend 5 Air Miles ₹100 on flights & hotels via Kotak Unbox 2 Air Miles ₹100 elsewhere
- Complimentary domestic & international lounge access
- Welcome & renewal Air Miles
- low 2% forex mark-up
Fees
Joining Fee
2,500 Air Miles as Welcome Benefit credited within 120 days of card issuance
₹3,540
₹3,000 + GST
Annual Fee
The annual fee is waived if you spend ₹4 lakh or more in a year on your card, as per bank policy
₹3,540
₹3,000 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup
2% 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 (2%): ₹100 → ₹2 ₹1,000 → ₹20 ₹10,000 → ₹200 ₹1,00,000 → ₹2,000
2%
Finance Charges (APR)
Finance charges of 3.50% per month (42% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.5%
ATM Withdrawal
2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward Redemption
No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge
A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment
A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment
A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return
2%
Cash Payment
A 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
Reward Exclusions
Terms & Conditions
- 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
Full charges and terms: Bank MITC / Terms