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Kotak White credit card

Kotak Mahindra Bank

Kotak White Credit Card

Milestone rewards, big lounge suite

₹3,000/yr annual fee

By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review

Annual fee

₹3,000/yr

Reward rate

Not published

Min. income

₹25,00,000

Forex markup

3.5%

Lounge access

Yes

Eligibility

₹25 lakh/yr

Reward cap

No published cap

Welcome benefit

White Pass value of Rs 1,500 on spending Rs 30,000 within 60 days of card set-up

Kotak White is a Rs 3,000-a-year premium card with milestone White Pass value up to Rs 27,000 on Rs 12 lakh spends, plus 8 domestic and 4 international lounge visits.

Who is this for

  • Premium cardholder
  • Rewards optimiser

What we like

  • Complimentary airport lounge access
  • Milestone vouchers or extras

Watch out for

  • ₹3,000 non-waiver joining fee
  • 3.5% foreign-transaction markup

Issuer

Bank

Kotak Mahindra Bank

Private sector bank

All Kotak Mahindra Bank cards →

Headquarters

Mumbai, Maharashtra

Established 2003

Toll-free

1800-266-2666

Network

Visa

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹3,000 Not waivable
Annual fee ₹3,000 Annual retail spends of Rs 5,00,000
Forex markup 3.5% Not waivable
Fuel surcharge 1% 1% waiver on Rs 500-7,500 fuel transactions, up to Rs 3,500 a calendar year

Rewards

Spend category Rate Cap Redemption
All spends No base per-rupee earning; milestone-based White Pass value: Rs 2,000 at Rs 2 lakh spends, Rs 4,000 at Rs 4 lakh, Rs… 1 Reward Point = Rs 1 on the catalogue, Rs 0.70 as cashback

Benefits

  • Lounge access Highlight

    8 complimentary domestic lounge visits a year (2 per quarter, primary holder) and 4 international Priority Pass visits, with the USD 99 Priority Pass membership included

  • Welcome milestone Highlight

    White Pass value of Rs 1,500 on spending Rs 30,000 within 60 days of card set-up

  • Fuel surcharge waiver

    1% waiver on fuel transactions of Rs 500-7,500, capped at Rs 3,500 a calendar year

  • Railway surcharge waiver

    1.8%-2.5% railway surcharge saved on IRCTC and counter bookings, capped at Rs 500 a calendar year

  • Interest-free balance transfer

    3-month interest-free balance transfer; processing fee Rs 349 plus service tax per Rs 10,000

Eligibility

Age
28–60 years
Min. income
₹25,00,000
Documents
Annual income of Rs 25 lakh and above; listed metros only; add-on holders 18+; a customer can hold only one active White or White Reserve card.

Read the full application walkthrough: Kotak White Credit Card apply guide.

Fees and charges

  • Joining fee: Rs 3,000
  • Annual fee: Rs 3,000 — Annual retail spends of Rs 5,00,000
  • Forex markup: 3.5%
  • Fuel surcharge: 1% — 1% waiver on Rs 500-7,500 fuel transactions, up to Rs 3,500 a calendar year

Rewards

  • ALL: No base per-rupee earning; milestone-based White Pass value: Rs 2,000 at Rs 2 lakh spends, Rs 4,000 at Rs 4 lakh, Rs 6,000 at Rs 6 lakh, Rs 7,000 at Rs 9 lakh and Rs 8,000 at Rs 12 lakh, up to Rs 27,000 a year Redemption: 1 Reward Point = Rs 1 on the catalogue, Rs 0.70 as cashback.

Benefits

  • Lounge access: 8 complimentary domestic lounge visits a year (2 per quarter, primary holder) and 4 international Priority Pass visits, with the USD 99 Priority Pass membership included
  • Welcome milestone: White Pass value of Rs 1,500 on spending Rs 30,000 within 60 days of card set-up
  • Fuel surcharge waiver: 1% waiver on fuel transactions of Rs 500-7,500, capped at Rs 3,500 a calendar year
  • Railway surcharge waiver: 1.8%-2.5% railway surcharge saved on IRCTC and counter bookings, capped at Rs 500 a calendar year
  • Interest-free balance transfer: 3-month interest-free balance transfer; processing fee Rs 349 plus service tax per Rs 10,000

Eligibility

  • Minimum income: Rs 25,00,000 per annum
  • Age: 28-60 years Annual income of Rs 25 lakh and above; listed metros only; add-on holders 18+; a customer can hold only one active White or White Reserve card.

Terms last reviewed 3 Sept 2026 against issuer-published schedules.

Issuer: Kotak Mahindra Bank. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.

Apply for Kotak White Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

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