Kotak White Credit Card

  • Joining Fee: Rs. 3,000 + GST
  • Renewal Fee: Rs. 3,000 + GST
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: Voucher worth Rs. 1,500 on spending Rs. 30,000 withing 60 days of card setup
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Kotak Mahindra Bank recently launched its White credit card with a unique method of rewarding its card members in the form of White Pass value. It can be considered a toned-down version of the Kotak White Reserve Credit Card, which is a super-premium card offered by the bank. This White Pass rewarding system is more like a milestone benefit as you gain White Pass value upon achieving spends-based milestones. This White Pass value can be redeemed against shopping vouchers on the Kotak White portal. You also get complimentary domestic and international airport lounge access with this card. Read on to learn more about this offering by the Kotak Mahindra bank.

New Features

Spend Based Waiver


Interest Rates

Waived for transactions between Rs. 500 and Rs. 3,000 (max waiver of Rs. 3,500/year)

Add-on Card Fee

Rewards Redemption Fee


Fuel Surcharge

Rs. 300 per Rs. 10,000 (or part thereof) withdrawn.

Foreign Currency Markup

3.1% per month (37.2% annually)

Cash Advance Charges

Movie & Dining



International Lounge Access

Cover against unauthorized use of card worth Rs. 2.5 lakh

Rewards Rate


8 complimentary domestic lounge access every year (2/quarter)

Insurance Benefits

Cover worth Rs. 2.5 lakh from 7 days prior to reporting the loss of card

Reward Redemption

Domestic Lounge Access

4 complimentary international lounge access annually with Priority Pass

Zero Liability Protection

Annual fee waived on expenditure of Rs. 5 lakh in the preceeding year


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