At a Glance
Key Benefits
5X rewards on travel, 2X on other spends, fuel surcharge waiver
Lounge Access
Not available
Eligibility
Salaried: Rs.30,000+/month, Age: 21-60, CIBIL: 700+
Quick Details
Annual Fee
₹999
#165
Joining Fee
₹999
#166
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.33 - ₹0.83
#215
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹25
Network VISA
Cash Advance Fee 2.50% (min ₹500)
Late Payment Fee ₹500
Fee Waiver on Spend ₹1,00,000/yr
Reward Structure
Base
All Spends
₹0.33 /₹100
Cat
Travel
₹0.83 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Quick Analysis
The Kotak Mahindra Bank Air is a solid credit card option. With an annual fee of ₹999, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is the annual fee for Air?
Yes, the annual fee is ₹999. The fee can be waived on annual spending of ₹100000.
Is there a joining fee for Air?
Yes, the joining fee is ₹999.
What rewards does Air offer?
You can earn rewards worth up to ₹0.83 per ₹100 spent. The base reward rate is ₹0.33 per ₹100.
Does Air offer lounge access?
This card does not include complimentary lounge access.
What is the eligibility for Air?
To apply for Air, you need minimum age of 21 years, minimum monthly income of ₹30000, credit score of 700+.
User Reviews
Ready to Apply for Air?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.