Kotak Mahindra Bank
Kotak White Credit Card
Annual Fee
₹3,540₹3,000 + GSTBase Reward
0% points
Foreign Markup
3.5% + GST
Welcome Benefits
Voucher worth ₹1,500 on spending ₹30,000 within 60 days of card setup
Product Highlights
- Earn White Pass value on achieving spends-based milestones
- Complimentary Priority Pass membership
Fee Waiver
Annual fee waived on expenditure of ₹5 lakh in the preceding year
Reward Calculator
Costs you ₹3,540/year
Spend doesn't justify the fee. Consider a lifetime-free option.
₹25K
across all your buckets
0
Kotak White Pass
₹0
via standard
Effective rate
0.00%
Annual fee
₹3,540
Year 1 net
₹-3,540
Year 2+ net
₹-3,540
ongoing
Adjust your spend by reward bucket
1 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
White Pass tier earning — ₹2,000 to ₹8,000 per milestone
Max annual White Pass value ₹27,000 at ₹12L spend
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
2.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, cash advance, rent, wallet, emi, government
Fuel surcharge waiver (good news)
1%on ₹500–₹5,000 fuel txns · capped at ₹3,500/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn White Pass value upon achieving spends-based milestones. White Pass value can be redeemed against shopping vouchers from popular brands including Amazon, Taj Hotels, Hugo Boss, Nature's Basket, Lakme, and many more from the Kotak White portal.
- White Pass value redeemable for vouchers from partner brands
Benefits & Features
Domestic: 8 complimentary domestic lounge access annually (2/quarter) International: 4 complimentary international lounge access annually with Priority Pass Complimentary Priority Pass membership with access to over 1,300 airport lounges across 148 countries.
Pros & Cons
Pros
- Unique White Pass rewards system
- Complimentary lounge access
- Waived fuel surcharge
Cons
- Annual fee of ₹3,000
- Minimum spend of ₹2 lakh to activate rewards
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
28 yrs
Self-Emp
₹25.0L+
Networks
Fee Waiver
Annual fee waived on expenditure of ₹5 lakh in the preceding year