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Last updated: 17 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Milestone-Driven White Pass
Step into a world without ordinary reward points. The Kotak White card operates on an exclusive 'White Pass' milestone system. Amass White Pass value up to ₹27,000 annually by hitting spend milestones starting from ₹2 Lakhs up to ₹12 Lakhs. Your bespoke White Pass balance unlocks direct luxury value.
Redeem for
The privileges that come bundled in, beyond the reward points.
Global Lounges: Experience ultimate travel tranquility with 4 complimentary VIP airport lounge access passes internationally via Priority Pass (annually)
Domestic Comfort: Enjoy 8 complimentary domestic airport lounge visits annually (maximum 2 per quarter) to ensure a seamless transit
Fee Reversal: The premium renewal fee of ₹3,000 is graciously waived upon achieving a reasonable annual spend of ₹5,000,000
Bespoke Services: Access dedicated concierge services crafted to assist with flight bookings, hotel reservations, and curated dining experiences
An honest read on where this card earns its keep — and where it doesn't.
Highly innovative White Pass system simplifies premium rewards by tying them directly to clear spend milestones
Exceptional maximum return value (up to ₹27,000) for heavy spenders who can reliably hit the ₹12 Lakh annual target
Comprehensive airport lounge access covering both domestic and international terminals
Stunning, minimalist physical card design that exudes luxury and status
Base reward structure is non-existent; you earn absolutely nothing if you fail to hit the predetermined milestones
High annual fee of ₹3,000 + GST for users who fall short of the ₹5 Lakh waiver threshold
White Pass value must be redeemed within a relatively short 1-year window
High 3.5% foreign markup fee despite being positioned as a premium travel card
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Kotak Mahindra Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Kotak White Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Kotak White Credit Card fees, reward conversion, lounge access, and application eligibility.
Kotak White Credit Card has an annual fee of ₹3,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "An elite onboarding experience featuring a welcome ₹1,500 White Pass voucher upon paying the joining fee, instantly unlocking premium luxury redemption avenues.".
Kotak White Credit Card earns White Pass Value at a primary rate of Milestone-Driven White Pass. Specifically, Step into a world without ordinary reward points. The Kotak White card operates on an exclusive 'White Pass' milestone system. Amass White Pass value up to ₹27,000 annually by hitting spend milestones starting from ₹2 Lakhs up to ₹12 Lakhs. Your bespoke White Pass balance unlocks direct luxury value.. Spends in Lifestyle, Super Premium, Rewards, Travel categories provide the maximum valueback per transaction on this card.
Rewards earned on Kotak White Credit Card can be redeemed for White Pass Premium Portal (Top-tier brands like Apple, Amazon, Taj, and Raymond), Direct Vouchers & Flight Bookings, Philanthropy (Charity Donations) via Kotak Mahindra Bank's official rewards portal or mobile banking app. Points earned remain valid for 12 months from the transaction date before expiring.
Yes, Kotak White Credit Card features complimentary airport lounge privileges. Privileges include: "Global Lounges: Experience ultimate travel tranquility with 4 complimentary VIP airport lounge access passes internationally via Priority Pass (annually)". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of Kotak White Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Kotak White Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Kotak White Credit Card levies a forex markup fee of 3.50% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Kotak White Credit Card currently features a welcome offer: "An elite onboarding experience featuring a welcome ₹1,500 White Pass voucher upon paying the joining fee, instantly unlocking premium luxury redemption avenues.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Highly innovative White Pass system simplifies premium rewards by tying them directly to clear spend milestones and Exceptional maximum return value (up to ₹27. However, keep in mind that Base reward structure is non-existent; you earn absolutely nothing if you fail to hit the predetermined milestones and High annual fee of ₹3. Overall, Kotak White Credit Card delivers strong value if your regular spending aligns with Lifestyle, Super Premium, Rewards, Travel.
You can apply for Kotak White Credit Card directly through Kotak Mahindra Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
