Kotak White Credit Card
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.
- Joining Fee₹3,000
- Annual Fee₹3,000
- Best Suited ForLifestyle & travel
- Reward TypeCashback
- Base rate 2.00%
- White Pass value of ₹1,500
KotakworldpremiumRewards and Benefits
- ₹12,00,000 / annual: Up to ₹27,000 White Pass value on ₹12,00,000 annual spend
- Priority Pass membership — Annual Priority Pass membership worth $99; access to 1,300+ lounges across 148 countries.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 2.0% = ₹300/mo
- Groceries₹8,000 · 2.0% = ₹160/mo
- Dining & food delivery₹8,000 · 2.0% = ₹160/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 2.0% = ₹200/mo
- Utilities & bills₹5,000 · 2.0% = ₹100/mo
₹11,040 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
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
- 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.
- 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
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.