Kotak White Credit Card benefits
- Benefit
First milestone: ₹2,000 of value at ₹2 lakh of yearly spends
- Lounge
Priority Pass with 4 international lounge visits a year
- Lounge2
domestic lounge visits a quarter after ₹1 lakh of spends in the previous quarter
Good to know
- White Pass value of up to ₹27,000 a year at ₹12 lakh of spends, with 1 point = ₹1 on the catalogue
- ₹3,000 annual fee, waived on ₹5 lakh of yearly spends
Kotak White Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Everything else | 0 points per ₹100 | None |
| Spends above ₹2,00,000 a yearWhite Pass milestones spread as a smooth curve that never pays more than Kotak does. | 1 points per ₹100 | None |
| Spends above ₹4,00,000 a year | 2 points per ₹100 | None |
| Spends above ₹9,00,000 a year | 2.33 points per ₹100 | None |
| Spends above ₹12,00,000 a year | 2.67 points per ₹100 | None |
| Spends above ₹15,00,000 a year | 0 points per ₹100 | None |
We value one point at ₹1 in the usual redemption.
No rewards on: From 1 April 2026, spends on transportation and education do not count towards White Pass milestones.
All reward rules
- The card does not earn points on each spend. It pays a reward point value (the White Pass) when your yearly spends cross a milestone: ₹2,000 at ₹2 lakh, ₹4,000 more at ₹4 lakh, ₹6,000 more at ₹6 lakh, ₹7,000 more at ₹9 lakh and ₹8,000 more at ₹12 lakh. That is ₹27,000 in total at ₹12 lakh, the most you can earn in a card year.
- Our maths turns these steps into rates that reach each total one milestone late, so it never shows more than Kotak pays. For example it shows ₹19,000 at ₹12 lakh, where Kotak pays ₹27,000.
- 1 reward point = ₹1 on the Kotak reward catalogue, and ₹0.70 as cashback. We use ₹1.
- Milestone spends count in each card anniversary year. The balance resets to zero on the anniversary date and stays usable for 90 more days.
- Welcome benefit: reward point value of ₹1,500 when you spend ₹30,000 within 60 days of card set-up. Only cards with a paid joining fee get it.
- You can hold only one active White or White Reserve card. White Pass value is not credited if you hold more than one.
What the Kotak White Credit Card gives back in a year
Say you spend ₹42,000 a month. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹4,200 | 0.81% | ₹408 |
| Dining and food delivery | ₹2,800 | 0.81% | ₹272 |
| Online shopping | ₹25,200 | 0.81% | ₹2,448 |
| Travel | ₹1,400 | 0.81% | ₹136 |
| Fuel | ₹1,400 | 0.81% | ₹136 |
| Bills and utilities | ₹2,800 | 0.81% | ₹272 |
| Everything else | ₹4,200 | 0.81% | ₹408 |
| Total | ₹42,000 | ₹4,080 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹4,080* |
Kotak White Credit Card annual fee and charges
- Joining fee
- ₹3,000
- Annual fee
- ₹3,000
- Fee waiver
- ₹5,00,000 a year
- Foreign currency markup
- 3.5%
Fees are before GST. The annual fee is waived on yearly retail spends of ₹5 lakh. The joining fee has no waiver. Cards linked to a Kotak programme such as Privy League may get a fee waiver while you keep that programme's eligibility.
Fuel surcharge: 1% fuel surcharge waiver on transactions of ₹500 to ₹7,500, up to ₹3,500 in a calendar year.
Kotak White Credit Card eligibility
- Age
- 28 to 60
- Salaried income
- ₹25,00,000 a year
- Self-employed income
- ₹25,00,000 a year
Primary cardholder aged 28 to 60 with yearly income of ₹25 lakh or more, living in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai or Pune. Kotak gives one income figure and does not split salaried and self-employed.
The bank alone decides approval and your credit limit.
Kotak White Credit Card lounge access
8 domestic and 4 international visits a year. Banks often set a spend condition, so read the reward rules above.
Priority Pass membership with 4 free international lounge visits a year. From 1 April 2026, 2 domestic lounge visits a quarter need ₹1 lakh of spends in the previous calendar quarter. Visits are for the primary cardholder only; guests and extra visits cost USD 35 each.
Is the Kotak White Credit Card right for you?
A card with a ₹3,000 fee that spending can waive, paying a below-average 0% on most spends.
Worth its fee if you spend about ₹40,000 a month or more. Below that, the ₹3,000 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend ₹5,00,000 a year or more (about ₹41,700 a month), so the ₹3,000 renewal fee is waived.
- You fly a few times a year: it includes 8 domestic and 4 international airport lounge visits a year.
Not for you if
- You spend less than about ₹41,700 a month: you would pay ₹3,540 a year with GST.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Kotak White Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Kotak White Credit Card | ₹3,000 | 2.67% | -₹1,940* |
| HSBC Premier Credit Card | Free | 3% | ₹9,720* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
If most of your spending looks like the example above, the HSBC Premier Credit Card may suit you better: it would leave you ₹14,616 a year, against ₹4,080 with the Kotak White Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
How do White Pass milestones work on the Kotak White Credit Card?
You earn reward point value when your spends in a card year cross ₹2 lakh, ₹4 lakh, ₹6 lakh, ₹9 lakh and ₹12 lakh. The amounts are ₹2,000, ₹4,000, ₹6,000, ₹7,000 and ₹8,000, so ₹27,000 in total. The balance resets each anniversary and can be used for 90 more days.
How can I get the Kotak White annual fee waived?
Spend ₹5 lakh in retail purchases in a year and the ₹3,000 plus GST annual fee is waived. The ₹3,000 joining fee has no waiver.
What is the income needed for the Kotak White Credit Card?
Kotak asks for yearly income of ₹25 lakh or more, age 28 to 60, and that you live in one of 9 cities: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi NCR, Hyderabad, Kolkata, Mumbai or Pune.
What is a Kotak White reward point worth?
₹1 when you redeem on the Kotak reward catalogue for brand vouchers and other items. As cashback, 1 point is worth ₹0.70.