Kotak White Credit Card

Overview

Kotak's White Credit Card takes a different approach to rewards. Instead of tracking individual points on each swipe, it uses a milestone structure where you earn White Pass value at fixed spending thresholds. Cross ₹2 lakh in a card year and ₹2,000 gets credited automatically. Hit ₹12 lakh and you accumulate ₹27,000 in total White Pass value.White Pass redemption works through a curated catalog of premium brands. Each White Pass equals Re 1 when redeemed on the catalog, or Re 0.70 if you prefer cashback. The catalog covers luxury fashion, travel experiences, flights, hotels, and even National Geographic expeditions. Vouchers can be claimed through the Kotak mobile app, and your balance stays valid for 90 days after each anniversary cycle.Lounge access is one of the card's strongest features. You get a Priority Pass membership worth $99 with 4 complimentary international visits per year across 1,300+ lounges in 148 countries. Domestically, 8 complimentary visits (2 per quarter) cover major Indian airports. Additional visits cost $35 each.The card charges ₹3,000 plus GST as both joining and annual fee. Annual fee gets waived if your retail spending crosses ₹5 lakh in a year. Eligibility requires ₹25 lakh annual income and residence in select metros including Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Kolkata, Pune, Ahmedabad, or Chandigarh.

Pros

↑Up to ₹27,000 in annual White Pass value through a simple milestone structure that requires no point tracking or calculations
↑Priority Pass with 4 international and 8 domestic lounge visits annually, strong access for a ₹3,000 fee card
↑Annual fee waiver at ₹5 lakh spend is achievable for the target audience earning ₹25 lakh or more

Cons

↓₹25 lakh minimum income and metro city residency make this card inaccessible to most applicants
↓White Pass value resets to zero every card anniversary, and you only have 90 days to claim unused balance
↓No accelerated rewards on specific spending categories like dining, grocery, or online shopping

Key Highlights

Welcome Offer
₹1,500 White Pass on ₹30K spend in 60 days
Spend ₹30,000 within 60 days of card setup
Earn White Pass value of ₹1,500
Redeemable on premium brand catalog
Subject to payment of joining fee

Reward Rate
Up to ₹27,000 White Pass per year
5 spend milestones from ₹2L to ₹12L
₹2,000 at ₹2L, ₹4,000 at ₹4L
₹6,000 at ₹6L, ₹7,000 at ₹9L
₹8,000 at ₹12L (total ₹27,000)

Minimum Salary
₹25 lakh annual income required
Age: 28 to 60 years for primary cardholder
Add-on cardholder: 18 years or above
Available in select metros only

Joining Fee
₹3,000 + GST (joining and annual)
Annual fee waived on ₹5 lakh retail spend
No waiver condition for joining fee
Programme members may get additional waivers

Annual Fee
₹3,000 + GST (waived on ₹5L spend)
Annual retail spend of ₹5,00,000 needed
Programme linked waivers also available
GST charged on all fees as applicable

Why Choose?
Priority Pass and 12 annual lounge visits
4 international visits via Priority Pass
8 domestic visits (2 per quarter)
$35 per visit after complimentary quota
Only primary cardholder eligible

Key Benefits

Fuel

★3.5

▼

1% fuel surcharge waiver at all petrol pumps in India
Applicable on transactions between ₹500 and ₹7,500
Maximum waiver capped at ₹3,500 per calendar year
Saves roughly ₹100 per month for regular fuel buyers

Lifestyle

★3.5

▼

Exclusive event access and pre-sale tickets for concerts and shows
Premium brand catalog with luxury voucher redemption
Complimentary add-on card for family members
Visa Signature tier benefits and merchant offers
Balance transfer with 3-month interest-free period

Milestone

★4.0

▼

5 spending milestones from ₹2 lakh to ₹12 lakh per card year
Cumulative White Pass value up to ₹27,000 annually
White Pass = Re 1 on premium catalog, Re 0.70 for cashback
Balance valid for 90 days after anniversary cycle ends
No per-transaction point calculations needed

Premium

★3.5

▼

Visa Signature tier card with associated global benefits
Curated premium brand redemption catalog
Exclusive pre-sale access to entertainment events
Priority Pass membership included
White Pass system replaces traditional points for a premium feel

Reward Points

★3.5

▼

White Pass earned at fixed spending milestones, not per transaction
Effective reward rate: 1% at ₹2L spend, rising to 2.25% at ₹12L
Redemption on luxury brands, flights, hotels, National Geographic trips
Maximum ₹27,000 accumulation per card year
Annual reset with 90 day grace period for claiming

Shopping

★3.0

▼

White Pass redeemable on curated luxury brand catalog
Brands include fashion, lifestyle, and premium retailers
No category-specific accelerated earn rates
EMI conversion available on purchases above ₹2,500
No special online shopping multipliers

Travel

★3.0

▼

Priority Pass with 4 international lounge visits annually
8 domestic lounge visits (2 per quarter)
Standard forex markup applies (3.5% typical for Kotak)
No complimentary travel insurance mentioned
White Pass redeemable for flights and hotel bookings

Airport Lounge Access

▼

Priority Pass membership worth $99 included free
4 complimentary international lounge visits per year
8 domestic lounge visits (2 per quarter) at Indian airports
Access to 1,300+ lounges across 148 countries
$35 per visit for guests or after quota is used

Detailed Information

Joining Fee	₹3,000 + GST
Annual Fee	₹3,000 + GST
Annual Fee Waiver	Waived on ₹5 lakh annual retail spend
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	Up to ₹1,300 based on outstanding balance
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	₹349 + Service Tax per ₹10,000 (3-month interest-free)
Fee For Supplementary Card	Nil (complimentary add-on card)
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	28-60 years
Age Requirement Self Employed	28-60 years
Minimum Annual Income Salaried	₹25 lakh per annum
Minimum Annual Income Self Employed	₹25 lakh per annum
Minimum Credit Score	750+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The annual fee is ₹3,000 plus GST. It gets waived if your annual retail spending crosses ₹5 lakh in a card year.

White Pass replaces traditional reward points. You earn voucher value at fixed spending milestones: ₹2,000 at ₹2 lakh spend, ₹4,000 at ₹4 lakh, ₹6,000 at ₹6 lakh, ₹7,000 at ₹9 lakh, and ₹8,000 at ₹12 lakh. Total possible value is ₹27,000 per card year.

1 White Pass equals Re 1 when redeemed on the premium brand catalog. If you prefer cashback instead, 1 White Pass equals Re 0.70.

White Pass value resets to zero on your card anniversary date each year. However, you get an additional 90 days after the anniversary to claim any remaining balance.

You get 4 complimentary international lounge visits per year through Priority Pass and 8 domestic lounge visits per year (2 per quarter) at select Indian airports.

Yes. The card includes a complimentary Priority Pass membership worth $99 annually, giving access to 1,300+ lounges across 148 countries.

After exhausting your free visits, each additional visit costs $35 per person. Guest visits also cost $35 each, even if you have free visits remaining.

You need an annual income of ₹25 lakh or above. The card is available in select metros: Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Kolkata, Pune, Ahmedabad, and Chandigarh.

The primary cardholder must be between 28 and 60 years old. Add-on cardholders need to be at least 18 years old.

Yes. Spend ₹30,000 within 60 days of card setup and you earn White Pass value of ₹1,500. This benefit requires payment of the joining fee.

There is no standard condition for joining fee waiver. However, if your card is linked to a Kotak programme like Privy League or Private Banking, you may qualify for programme-linked fee waivers.

You get a 1% fuel surcharge waiver at all petrol pumps in India. This applies on transactions between ₹500 and ₹7,500, with a maximum waiver of ₹3,500 per calendar year.

Yes. You save 1.8% to 2.5% on tickets booked through IRCTC or at railway booking counters. The maximum waiver is ₹500 per calendar year.

You can redeem through the Kotak Mobile app. The catalog covers luxury brand vouchers, flights, hotels, philanthropy options, and curated travel expeditions by National Geographic.

Yes. You get a complimentary add-on card for a family member. You can also set custom spending limits for the add-on cardholder.

Yes. Any purchase above ₹2,500 can be converted into easy EMI payments through the Kotak mobile app or net banking.

Yes. The card has Visa PayWave technology. You can tap and pay for transactions up to ₹5,000 without entering a PIN.

Yes. You get a 3-month interest-free period on balance transfers from other credit cards. A processing fee of ₹349 plus service tax per ₹10,000 applies.

The Kotak White Credit Card runs on the Visa Signature network, accepted globally at all Visa merchants.

No. As per Kotak's internal norms, you can hold only one active White or White Reserve Credit Card at a time. White Pass will not be credited if you hold multiple active White or White Reserve cards.

For international lounges, present your Kotak White Credit Card at Priority Pass lounges. For domestic lounges, present your credit card directly at participating lounges. Only the primary cardholder qualifies for complimentary visits.

International transactions carry a markup of approximately 3.5% on the transaction amount. This is standard for most premium credit cards in India.

Yes. Starting June 1, 2025, rent payments on MCC 6513 incur a fee of 2% of the transaction amount plus GST.

The effective rate depends on your annual spending. At ₹2 lakh, you earn ₹2,000 (1% return). At ₹6 lakh, you earn ₹12,000 (2%). At ₹12 lakh, you earn ₹27,000 (2.25%). These rates apply when redeeming on the catalog.

After spending ₹30,000 within 60 days of card setup, the ₹1,500 White Pass value gets credited to your account. You can then claim vouchers through the Kotak Mobile app.