Base reward rate: Earn 3 Air Miles per ₹100 on most spends, accelerated to 10 Air Miles per ₹100 on flight and hotel bookings via Kotak Unbox.
Redemption options: Marriott, Air India, Travel Bookings, Other Redemption Options, Other flight/hotel partners
Redemption value: 1 Pt = ₹3.00
Fees & Charges
Joining fee: 0
Annual fee: 25000
Pros
Up to 10% value-back as rewards in the form of Air Miles
Good rewards redemption ratio of up to 1:1
Unlimited airport lounge access worldwide with free guest visits
Discount offers on stays at select luxury hotels
Zero forex mark-up charges
Complimentary lounge access with no minimum spend requirement
Complimentary guest lounge access included
Cons
Carries a high annual fee of Rs. 25,000 with no stated spend-based waiver option, making it a significant fixed cost compared to peers that waive fees on achieving spending milestones.
Lacks key premium travel benefits expected at this fee level, such as complimentary hotel loyalty program status (e.g., Marriott Bonvoy Gold) or airport meet & greet services.
The highest reward rate of 10 Air Miles per Rs. 100 is exclusively limited to the Kotak Unbox portal, forcing users onto a specific platform to maximize value.
Missing common lifestyle benefits found on other super-premium cards, such as complimentary golf rounds, buy-one-get-one movie ticket offers, or wellness perks.
A wide range of common high-value transaction categories, including rent, insurance, utilities, and education, are excluded from earning Air Miles.
Best Use Case
Frequent travelers seeking unlimited lounge access, zero forex markup, and accelerated rewards on travel bookings.