Kotak Air
EntryKotak Mahindra Bank
Where it ranks · across all 71 cards
What a point is worth
Earning 1 pts / ₹100, the same point pays very differently by redemption path:
| Redemption path | Per point | Effective on spends |
|---|---|---|
| Bank travel portal | ₹1 | 1.00% |
| Partner transfersbest: Accor ALL (Live Limitless) at 2:1 (ceiling 0.9%) | ₹0.80-₹0.90 | 0.80% |
Air Miles ~₹1 on Unbox travel (bank T&C). Rankings across KaunsaCard use a single conservative value (₹1/pt = 1.00%); transfer ceilings assume premium-cabin awards and are never used to rank.
Reward rules
Points valued at ₹1/pt - conservative, what rankings use · transfers reach up to ₹0.90/pt via Accor ALL (Live Limitless) at 2:1
Base rate - everything not covered below
1 pt / ₹100= 1 pts per ₹100
1.00%
conservative value
Via portals & vouchers - alternate methods (display, never rank)
- ✈ 3 Air Miles/₹100 on flights & hotels via Kotak Unbox3.0%
Accelerated Air Miles capped 5,000/statement cycle (≈₹2.5L spends); beyond that travel earns 1 AM/₹100.
Transfer partners
Kotak Air Miles (Air card) - what 10,000 points become. Full matrix with live amounts on the Transfers page.
| Partner | Ratio | 10,000 pts → | ≈ value |
|---|---|---|---|
| Accor ALL (Live Limitless) | 2:1 | 5,000 | ₹8,000-₹9,000 |
| British Airways Executive Club (Avios) | 2:1 | 5,000 | ₹3,500-₹9,000 |
| Cathay Asia Miles | 2:1 | 5,000 | ₹3,500-₹10,000 |
| Air France-KLM Flying Blue | 2:1 | 5,000 | ₹3,500-₹10,000 |
| Qatar Airways Privilege Club (Avios) | 2:1 | 5,000 | ₹3,500-₹9,000 |
| United MileagePlus | 2:1 | 5,000 | ₹3,000-₹9,000 |
| Air India Maharaja Club | 3:1 | 3,333 | ₹2,000-₹5,999 |
| Marriott Bonvoy | 3:1 | 3,333 | ₹1,500-₹2,166 |
Bank PDF ratios: Maharaja & Marriott 3:1, everything else 2:1. Min 1,000 Air Miles; 1L Air Miles/calendar year cap.
Earns nothing on
- ⊘ Utilities & telecom earn nothing (bank T&C MCC list).4812481448994900bank MCC list→ use SBI Cashback Card here (5.0%)
- ⊘ Telecom earns nothing.48124814bank MCC list→ use SBI Cashback Card here (5.0%)
- ⊘ Insurance earns nothing.59606300bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Education earns nothing.821182208241824482498299bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ Government spends earn nothing.92119222922393119399940294059950bank MCC list→ use PVR INOX Kotak here (3.0%)
- ⊘ Rent earns nothing.6513bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Fuel earns nothing (surcharge waiver instead).51725541554255525983bank MCC list→ use MakeMyTrip ICICI here (1.0%)
- ⊘ Wallet loads earn nothing.6540bank MCC list→ use SC Ultimate here (3.3%)
- ⊘ Gaming earns nothing.58167994bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ EMI transactions earn nothing.