Kotak

Kotak White Credit Card

Kotak White Credit Card: earn White Pass value of ₹1,500 as a welcome benefit on spending ₹30,000 within 60 days of card set-up, then earn White Pass value of up to ₹27,000 in a card anniversary year across five spend milestones (₹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), redeemable at 1 White Pass = ₹1 against premium brand vouchers such as Hugo Boss, Giorgio Armani, Tanishq, Jimmy Choo, Taj Experiences and Amazon or at 1 White Pass = ₹0.70 as cashback, plus 8 complimentary domestic and 4 complimentary international airport lounge visits a year with an annual Priority Pass membership worth USD 99 covering 1,300+ lounges across 148 countries, a 1% fuel surcharge waiver and a 1.8%–2.5% railway surcharge waiver, for a ₹3,000 + GST joining fee and a ₹3,000 + GST annual fee that is waived on annual retail spends of ₹5,00,000

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Issued by

Kotak

Kotak White Credit Card image
Joining Fee₹3000
Annual Fee₹3000
Income₹208333
Credit Score720

Key Highlights

Travel

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

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

Shopping

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

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

Eligibility

Age Criteria28-60
Credit Score720
Salaried Income₹25 LPA
Self-employed Income₹25 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹3000
Joining Fee OffsetEarn White Pass value of ₹1,500 on spending ₹30,000 within 60 days from card set-up
Annual Fee₹3000
Annual Fee WaiverThe annual fee is waived if you spend ₹5 lakh or more in a year on your card, as per bank policy
Estimated Annual Saving₹64390

Rewards & Redemption

Reward Conversion1 White Pass = ₹1
Redemption Options
  • White Pass catalogue
  • Cashback
Earning ExclusionsUtility Bills, Telecom, Insurance, Education, Government Spends, Rent, Wallet Loads, Online Skill-based Gaming, EMI, Cash Withdrawals/Advance
Spend ExclusionsUtility Bills, Telecom, Insurance, Education, Government Spends, Rent, Wallet Loads, Online Skill-based Gaming, EMI, Cash Withdrawals/Advance

Benefits

All 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

Welcome Benefits

  • Earn White Pass value of ₹1,500 on spending ₹30,000 within 60 days from card set-up

Railway Benefits

  • Save 1.8% to 2.5% railway surcharge on a ticket booked on www.irctc.co.in or at the railways booking counter, with a maximum waiver of ₹500 allowed in a calendar year 

Airport Lounge Benefits

  • 8 complimentary domestic airport lounge visits a year at select lounges across India, capped at 2 per quarter
  • 4 complimentary international lounge visits a year powered by Priority Pass

Fuel Surcharge Waiver Benefits

  • Save 1% fuel surcharge across all petrol pumps in India. Applicable on transactions between ₹500 and ₹7,500, with a maximum waiver of ₹3,500 allowed in a calendar year 

Bank Offer

  • convert any purchase above ₹2,500 into easy EMI payment
  • 3-month interest-free period on transferring outstanding balances from other credit cards to the Kotak White Credit Card

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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