Kotak White Credit 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.