Kotak Mahindra Bank
Kotak White Credit Card
Milestone rewards, big lounge suite
₹3,000/yr annual fee
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
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
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.
Step-by-step application guide: Read the Kotak White Credit Card apply walkthrough →
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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Frequently asked questions
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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