Kotak White Credit Card is a premium credit card from Kotak Mahindra Bank. It has a simple reward structure wherein you get rewards on certain specified annual card spend milestones. You also get lifestyle privileges like complimentary access to airport lounges in India and abroad.
Annual card spend based milestone program called White Pass, which rewards you on all card spends. You can earn upto 2.25% through this program.
You also get lifestyle privileges like complimentary access to airport lounges in India (2 times per quarter) and abroad (4 times per year).
Annual fee is waived from the 2nd year onwards, if you spend ₹5 lakhs or more per year.
You earn White Pass value at 5 levels of annual card spend (spends within a card anniversary year) –
1. At ₹2 lakh yearly card spend , you get 2000 White Pass value worth ₹2000
2. At ₹4 lakh yearly card spend , you get additional 4000 White Pass value worth ₹4000
3. At ₹6 lakh yearly card spend , you get additional 6000 White Pass value worth ₹6000
4. At ₹9 lakh yearly card spend , you get additional 7000 White Pass value worth ₹7000
5. At ₹12 lakh yearly card 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 – which is a 2.25% reward rate. Please see table below for benefits at each level of annual card spend-
| Benefit | Total cumulative benefit | |
|---|---|---|
| At ₹2 lakh yearly card spend | 2000 White Pass value worth ₹2000 | 2000 White Pass value worth ₹2000 – 1% benefit |
| At ₹4 lakh yearly card spend | Additional 4000 White Pass value worth ₹4000 | 6000 White Pass value worth ₹6000 – 1.50% benefit |
| At ₹6 lakh yearly card spend | Additional 6000 White Pass value worth ₹6000 | 12,000 White Pass value worth ₹12,000 – 2% benefit |
| At ₹9 lakh yearly card spend | 7000 White Pass value worth ₹7000 | 19,000 White Pass value worth ₹19,000 – 2.1% benefit |
| At ₹12 lakh yearly card spend | 8000 White Pass value worth ₹8000 | 27,000 White Pass value worth ₹27,000 – 2.25% benefit |
1 White Pass = ₹1. You can redeem White Pass value for an exclusive range of premium brand gift vouchers, flights, hotels and more – on the White Pass redemption portal. Please click here for details .
You can also redeem White Pass for cashback, at a lower rate of 1 White Pass = ₹0.70 (70 paise), based on which the benefit rates stated in the table above would fall accordingly.
Reward points (White Pass) validity : White Pass balance remains valid for an additional 90 days after every anniversary cycle. For example: If your card is booked on 1-June-2021, the balance earned for the anniversary year 1-Jun-2021 to 31-May-2022 can be claimed till 29-August-2022.
You get complimentary Priority Pass membership worth USD 99, which enables international lounge access. You get free visits to airport lounges outside India – upto 4 times per year. Please click here to view the list of lounges.
– Visit validation charges of $1.00 will be debited from your credit card and it’ll get auto reversed within 7 working days. Enable this type of transaction on your credit card by activating international transactions (online & in store/ POS) using your Kotak Bank mobile app or net banking
– A charge of USD 35 per person per visit will be charged for guests.
– You get free visits to airport lounges in India – upto 2 times per quarter.
– Please click here to view the list of lounges.
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 ₹4500 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.
Please click here to see all options on how to contact the bank.
Kotak White cardholders get ‘Priority Attend Service’ : Simply dial 1800 266 6666 or SMS KPRIVY to 5676788 for any queries, and the bank will call you back within 30 minutes
You get exclusive everyday special offers. These offers can be found on the official Kotak website and includes discounts, cashback, rewards, and other benefits across various categories such as dining, shopping, travel, and more.
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹3000 | Welcome offer : You get a ₹1500 voucher, on spending ₹30,000 within 60 days of card issuance date. |
| Renewal fee from 2nd year onwards | ₹3000 | Renewal fee offer : Annual fee is not charged from the second year onwards if you spend ₹5 lakhs or more in the previous year. |
Foreign currency mark-up fee
3.50% of the transaction amount – this fee is charged when you use your card outside India.
Finance charges
3.50% per month (42% per annum)
Important note
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– Please click here to view all fees & charges on this card
Some basic criteria is given below, there maybe additional requirements based on your profile, this is at the sole discretion of Kotak Mahindra Bank.
| Minimum income | ₹25 lakhs per year |
| Minimum age | Primary cardholders : 28 years Add-on cardholders : 18 years or above |
| Maximum age | 65 years |
| Residency | Resident of India Card is only given at the following cities – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune |
| Minimum income | Not specified |
| Other criteria | Regular source of income, good credit score preferably above 750, etc. |
| Online application process | The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Kotak Mahindra Bank website. You can also visit official website of the bank and fill out the application form. Steps – 1. Fill in the required details in the online application form, including personal and employment details, contact information, and income details. 2. Submit the application form along with the necessary documents such as identity proof, address proof, income proof and age proof. 3. Once your application is received, Kotak Mahindra Bank will review your application and verify the information provided. 4. Upon successful verification, you will receive a confirmation, and your Credit Card will be dispatched to your registered mailing address. |
| Offline (face to face) application process | Alternatively, you can also apply for the card by visiting the nearest Kotak Mahindra Bank branch, and submitting your application along with the necessary documents. To find the branch nearest to you, please visit here. |
| Tracking card application status | You can track your credit card application status by clicking here – Kotak Credit Card Application Status |
Common documents required to attain a credit card are as follows. Additional documents may be required on a case-to-case basis, this is at the sole discretion of Kotak Mahindra Bank.
| Required documents | For salaried employees : – Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one) – Address proof : Utility bill, ration card, passport, driving license, voter ID card (any one) – Income proof : Salary slips, Form 16, income tax returns (any one) – Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one) For self-employed professionals : – Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one) – Address proof : Utility bill, ration card, passport, driving license, voter ID card , last two months’ bank statement (any one) – Income Proof : Income tax returns with computation of income, certified financial documents, proof of business continuity (any one) – Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one) |
Kotak White Credit Card rewards on all card spends, through an annual card spend based milestone program called White Pass. You can earn upto 2.25% through this program. You also get lifestyle privileges like complimentary access to airport lounges in India (2 times per quarter) and abroad (4 times per year). Annual fee is waived from the 2nd year onwards , if you spend ₹5 lakhs or more per year.
However you can get better rewards with other cards available in the marketplace, especially specialist cards which reward more at specific stores/ specific categories.
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