Kotak Air+ Prime
MidKotak Mahindra Bank
Where it ranks · across all 71 cards
What a point is worth
Earning 2 pts / ₹100, the same point pays very differently by redemption path:
| Redemption path | Per point | Effective on spends |
|---|---|---|
| Bank travel portal | ₹1 | 2.00% |
| Partner transfersbest: Accor ALL (Live Limitless) at 2:1 (ceiling 1.8%) | ₹0.80-₹0.90 | 1.60% |
Air Miles ~₹1 on Unbox travel (bank T&C). Rankings across KaunsaCard use a single conservative value (₹1/pt = 2.00%); 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
2 pts / ₹100= 2 pts per ₹100
2.00%
conservative value
5 AM/₹100 at auto dealers (MCC 5013/5511/5521/5533)
5 pts / ₹100= 5 pts per ₹100
valued at ₹0.5/pt for this rule
2.5-4.5%
value range by redemption
MCC-scoped (5013/5511/5521/5533) - shown under Other; international spends earn NO Air Miles on this card despite the 2% forex.
Source: Kotak Air+ Prime page · 2026-08-22
Via portals & vouchers - alternate methods (display, never rank)
- ✈ 5 Air Miles/₹100 on flights & hotels via Kotak Unbox5.0%
Accelerated Air Miles capped 15,000/statement cycle; beyond that 2 AM/₹100. Auto-dealer 5x capped 1,500 AM/cycle separately.
Transfer partners
Kotak Air Miles (Air+ Prime) - 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 |
| Air Canada Aeroplan | 2:1 | 5,000 | ₹4,000-₹11,000 |
| 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 |
| Air India Maharaja Club | 2:1 | 5,000 | ₹3,000-₹9,000 |
| United MileagePlus | 2:1 | 5,000 | ₹3,000-₹9,000 |
Bank PDF ratios: 2:1 across partners (Marriott 3:1). Min 1,000 Air Miles; no annual transfer 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.5960638163996300bank 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.