Kotak Premium Credit Cards in India 2026

Upto 2.25% benefit through spend based milestone program – White Pass
✔︎ You earn White Pass value at 5 levels of annual card spend-
1. At ₹2 lakh spend, you get 2000 White Pass value worth ₹2000
2. At ₹4 lakh spend, you get additional 4000 White Pass value worth ₹4000
3. At ₹6 lakh spend, you get additional 6000 White Pass value worth ₹6000
4. At ₹9 lakh spend, you get additional 7000 White Pass value worth ₹7000
5. At ₹12 lakh spend, you get additional 8000 White Pass value worth ₹8000
✔︎ Hence at ₹12 lakh spend, you would earn a total of 27000 White Pass Value worth ₹27000 – a 2.25% reward rate.
– 1 White Pass = ₹1, you can redeem White Pass value for an exclusive range of gift vouchers of premium brands, flights, hotels and more.
– You can also redeem White Pass for cashback, at a lower rate of 1 White Pass = ₹0.70 (70 paise)

Complimentary access to international airport lounges – 4 times per year

Complimentary access to domestic airport lounges – 2 times per quarter

Fuel surcharge waiver, upto ₹3500 per year
– You get 1% fuel surcharge waiver, only on fuel transactions between ₹500 and ₹3000, and
– only on yearly fuel purchases upto ₹3.50 lakhs per calendar year (since the maximum waiver amount is capped at ₹3500 per year).

Railway surcharge waiver, upto ₹500 per year
– You get 1.8% to 2.5% railway surcharge waiver , on ticket bookings made at www.irctc.co.in or at railway booking counters.
– Maximum waiver given is ₹500 per calendar year.

Benefits
– Upto 2.25% reward rate on all spends through the milestone based White Pass program
– Complimentary access to airport lounges both in India and abroad

Drawbacks to consider
– You can get better rewards with other premium cards available in the marketplace

Upto 2.50% benefit through card spend based milestone program – White Pass
✔︎ You earn White Pass value at 8 levels of annual card spend–
1. At ₹3 lakh spend, you get 5000 White Pass value worth ₹5000
2. At ₹10 lakh spend, you get additional 15000 White Pass value worth ₹15000
3. At ₹20 lakh spend, you get additional 22000 White Pass value worth ₹22000
4. At ₹30 lakh spend, you get additional 24000 White Pass value worth ₹24000
5. At ₹40 lakh spend, you get additional 26000 White Pass value worth ₹26000
6. At ₹50 lakh spend, you get additional 28000 White Pass value worth ₹28000
7. At ₹75 lakh spend, you get additional 63000 White Pass value worth ₹63000
8. At ₹1 crore spend, you get additional 67000 White Pass value worth ₹67000
✔︎ Hence at ₹1 crore card spend, you would earn a total of 2.50 lakhs White Pass Value worth ₹2.50 lakhs – 2.50% reward rate.
– 1 White Pass = ₹1, you can redeem White Pass value for an exclusive range of gift vouchers of premium brands, flights, hotels and more.
– You can also redeem White Pass for cashback, at a lower rate of 1 White Pass = ₹0.70 (70 paise)

Unlimited complimentary access to airport lounges, both in India and abroad

Complimentary golf across the world – 2 free golf rounds per month

Low foreign transaction fee of 2%

1% fuel surcharge waiver, upto ₹4500 per year 
– only on fuel transactions between ₹400 and ₹4000 and
– only on yearly fuel purchases upto ₹4.50 lakhs per calendar year (since the maximum waiver amount is capped at ₹4500 per year).

Luxury lifestyle management services
– Curated travel experiences : You enjoy a wide range of unique travel experiences organized for you
– Personal shopping team : Curation and negotiation of special purchases and deals on luxury brands for you
– Fine dining reservations : You enjoy tables at the finest restaurants across the world
– Everyday gifting : Special gifts and deliveries for your loved ones
– Exclusive events and experiences : You can access the most sought-after events and experiences around the world

Benefits
– You can get upto 2.50% benefit on all card spends, through the spend based milestone program – White Pass
– You get unlimited complimentary access to airport lounges both in India and abroad
– You get complimentary golf across the world – 2 free golf rounds per month

Drawbacks to consider
– You can get better rewards with other premium cards available in the marketplace