Kotak Air+ Prime Credit Card

2 domestic visits/quarter

0.5 international visits/quarter

Primary cardholders only — add-on cardholders get none, and there is no spend gate on either programme. Domestically, 4 complimentary visits per calendar year capped at 2 per calendar quarter, with a ₹2 validation charge per visit; visits beyond the quota are at market price. Internationally, 2 complimentary visits per calendar year through Priority Pass with no quarterly cap, a $1 validation charge that is auto-reversed within 7 working days, and $35 per visit thereafter. International POS and online transactions must be enabled on the card for the international validation charge to go through.

1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹400 and ₹7,500, capped at ₹4,500 in an anniversary year — the widest transaction band and second-highest annual cap in Kotak's range. Fuel earns no Air Miles at all, since fuel MCCs 5172, 5541, 5542, 5552 and 5983 are on the exclusion list, so the waiver is the entire fuel benefit.

3,000 bonus Air Miles

Credited within 120 days of card issuance and only on payment of the joining fee.

3,000 bonus Air Miles on completion of each anniversary year

Credited within 30 days of annual fee payment.

3,000 Air Miles — ₹3,000 at 1 Air Mile = ₹1 on Kotak Unbox travel — credited within 30 days of paying each year's ₹3,000 annual fee. The renewal benefit exactly offsets the fee, before GST. That creates an unusual trade-off with the ₹4 lakh spend waiver: clearing the waiver saves ₹3,000 plus GST but forfeits 3,000 Air Miles worth ₹3,000, so the waiver wins only by the GST. Unlike the IndiGo Kotak cards, the welcome and renewal Air Miles here are not vouchers and do not expire in six months.