Kotak White Credit Card
Updated 3 Jul 2026Source-linked
The Kotak White Credit Card is a premium credit card from Kotak Mahindra Bank, with a joining fee of ₹3,000 + GST.
Cardholders get 2 quarterly domestic + 4 annual international airport lounge access, plus white pass value of ₹1,500 as a welcome benefit.
Kotak White Credit Card
- Joining Fee₹3,000
- Annual Fee₹3,000
- Best Suited ForLifestyle & travel
- Reward TypeCashback
Rewards Rate
- Base rate 2.00%
Welcome Benefits
- White Pass value of ₹1,500
KotakworldpremiumRewards and Benefits
Rewards Rate
Base 2.00% on other spends.
Reward Redemption
White Pass Catalogue: White Pass balance redeemable against luxury brands.
Welcome Benefits
White Pass value of ₹1,500
Milestone Rewards
- ₹12,00,000 / annual: Up to ₹27,000 White Pass value on ₹12,00,000 annual spend
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
4 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- Priority Pass membership — Annual Priority Pass membership worth $99; access to 1,300+ lounges across 148 countries.
Fees & Charges
Spend-Based Waiver
₹5,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹7,500, capped at ₹3,500 per annual.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- premium card issued by Kotak Mahindra Bank.
- Joining / annual fee of ₹3,000 + GST, waived on annual spends of ₹5,00,000.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (2/quarterly) + international (4/annual).
Pros & Cons
Pros
- Annual fee waivable on ₹5,00,000 spend.
- Strong base reward rate of 2.00%.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹1,500 welcome benefit
- White Pass value of ₹1,500Spend ₹30,000 within 60 days of card set-upWindow: 60 days from issuance.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹12,00,000 / annual: Up to ₹27,000 White Pass value on ₹12,00,000 annual spend (≈ ₹27,000 value)
Airport lounge access
Domestic
2 visit(s) / quarterly. Via mastercard, dreamfolks.
International
4 visit(s) / annual. Via priority-pass.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹7,500, capped at ₹3,500 per annual.
Other benefits
- Priority Pass membership. Annual Priority Pass membership worth $99; access to 1,300+ lounges across 148 countries.
Sources
- : www.kotak.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹12,00,000 p.a.