Kotak Air+ Credit Card

2 domestic visits/quarter

0.5 international visits/quarter

Primary cardholders only — add-on cardholders get no lounge access. Domestically, 4 complimentary visits per calendar year, capped at 2 per calendar quarter, so the annual total is 4 and not 8; a ₹2 validation charge is levied at the lounge. Internationally, 2 complimentary visits per calendar year through Priority Pass with no per-quarter cap, which is why international_lounge_per_quarter is 0.5 rather than 2. International transactions must be activated on the Kotak app or net banking for the US$1 visit-validation charge to go through; it is auto-reversed within 7 working days.

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 — an unusually high annual cap. No Air Miles are earned on any fuel transaction, and cumulative fuel spends above ₹50,000 in a statement cycle attract a separate 1% fee on the excess.

2,500 Air Miles

Credited within 120 days of card issuance and only if the joining fee is paid.

2,500 Air Miles on completion of each anniversary year

Credited only if the annual fee is paid.

A genuine recurring benefit, not a fee waiver: 2,500 Air Miles are credited on completing each anniversary year, conditional on paying the ₹3,000 annual fee. Worth ₹2,500 at 1 Air Mile = ₹1 on Kotak Unbox, so the renewal benefit recovers about five-sixths of the fee before any lounge or spend value is counted. Lounge access and the fuel surcharge waiver are deliberately not counted here, per Rule 4.