Kotak
Kotak White Credit Card
This is an invite only card
Top Benefits
Enjoy 8 Domestic and 4 International Airport Lounge Visits
every year 8 domestic visits are capped at 2 per quarter and the 4 international visits come with an annual Priority Pass membership worth USD 99, each quarter's access is unlocked by spending ₹1,00,000 in the previous calendar quarter
Earn White Pass Value of Up to ₹27,000 Every Year on Annual Spends of ₹12 Lakh
against premium brand vouchers such as Hugo Boss, Giorgio Armani, Tanishq, Jimmy Choo, Coach and Amazon
Best For
Shopping
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹3,540 ( ₹3000 + GST )
Annual Fees
₹3,540 ( ₹3000 + GST )
Eligibility
Age
Criteria*
28-60 years
Salary
Criteria*
25LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- earn White Pass value of ₹2,000 at ₹2 lakh, ₹4,000 at ₹4 lakh, ₹6,000 at ₹6 lakh, ₹7,000 at ₹9 lakh and ₹8,000 at ₹12 lakh of spends settled in a card anniversary year, for a maximum of ₹27,000 a year
- White Pass is redeemed at 1 White Pass = ₹1 on a curated catalogue of premium brands Brooks Brothers, Gas, Satya Paul, Hugo Boss, Paul Smith, Paul & Shark, Giorgio Armani, Armani Exchange, Steve Madden, Jimmy Choo, Helios, Michael Kors, Coach, Tanishq, Kate Spade, Titan Eye+, Bottega Veneta, Mothercare, Hamleys, Tumi, Taj Experiences, The Body Shop, Nature's Basket and Amazon or at 1 White Pass = ₹0.70 as cashback
- 8 complimentary domestic airport lounge visits a year 2 per quarter, 4 complimentary international lounge visits a year and an annual Priority Pass membership worth USD 99 giving access to 1,300+ lounges across 148 countries
- each quarter's domestic lounge access must be unlocked by spending ₹1,00,000 in the previous calendar quarter
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 White Pass = ₹1
Redemption Options
- White Pass catalogue
- Cashback
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Utility Bills
Telecom
Insurance
Education
Government Spends
Rent
Wallet Loads
Online Skill-based Gaming
EMI
Cash Withdrawals/Advance
For Spends Waiver
Utility Bills
Telecom
Insurance
Education
Government Spends
Rent
Wallet Loads
Online Skill-based Gaming
EMI
Cash Withdrawals/Advance
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  .50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.50% per month (42% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.5% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 2% applies on rental transactions made using the credit card | 2% |
cheque Payment Fees A fee of 2% of the bounce amount, subject to a minimum of ₹500, is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹100 is levied when the outstanding is paid in cash over the counter at a Kotak Mahindra Bank branch | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001 - ₹25000 | ₹900 |
| ₹25001 - ₹50000 | ₹1100 |
| Above ₹50000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Enjoy 8 Domestic and 4 International Airport Lounge Visits
every year 8 domestic visits are capped at 2 per quarter and the 4 international visits come with an annual Priority Pass membership worth USD 99, each quarter's access is unlocked by spending ₹1,00,000 in the previous calendar quarter
Earn White Pass Value of Up to ₹27,000 Every Year on Annual Spends of ₹12 Lakh
against premium brand vouchers such as Hugo Boss, Giorgio Armani, Tanishq, Jimmy Choo, Coach and Amazon
The smartest way to find your great credit card
We value your time and privacy. Your details stay secure and are used only to help you.
Company
We value your time and privacy. Your details stay secure and are used only to help you.