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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

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

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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Frequently asked questions

Is the Kotak White Credit Card worth it?

Kotak White Credit Card is a credit card issued by Kotak Mahindra Bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Kotak White Credit Card?

Kotak White Credit Card charges ₹3,000 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the Kotak White Credit Card reward rate work?

Kotak White Credit Card earns structured rewards that vary by spend category. Check the rewards tile on this page for the full multiplier schedule.

What are the eligibility requirements for the Kotak White Credit Card?

To qualify for Kotak White Credit Card, you typically need: minimum annual income ₹25,00,000. The eligibility tile on this page has the full published criteria.

Does the Kotak White Credit Card offer airport 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

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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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