Kotak White Credit Card: Features, Eligibility, Fees & Charges

Voucher worth Rs. 1,500 as Welcome Gift

With your Kotak White Credit Card, you will get a voucher worth Rs. 1,500 on spending Rs. 30,000 within the first 60 days of card set-up. This is a decent benefit offered by the card, however, this does not compensate for the joining fee and annual fee charged on the card. 

Spend and earn rewards in White Pass Value

Kotak White Credit Card does not offer direct reward points but offers them in the form of a White Pass. This White Pass can be compared to a virtual wallet. If you achieve the spend milestones, you will get rewards in the form of White Pass Value. You can then use the accumulated value to claim vouchers from premium partner brands. You can check all premium brand’s on the White Credit Cards rewards redemptions portal or you can click here for the brand details. 

You can use White Pass redeem across multiple categories such as apparel, hotels & dining, beauty, grooming services, etc. These vouchers can be used both online and offline at your convenience. 

Here are the details of how you will get reward points in the form of a White Pass.

Milestone Spends Target and White Pass Value
Spend Slab	White Pass Value (Incremental)	White Pass Value (Cumulative)	Rewards Rate
< Rs. 2 lakh	0	0	0%
Rs. 2 lakh – < Rs. 4 lakh	Rs. 2,000	Rs. 2,000	1%
Rs. 4 lakh – < Rs. 6 lakh	Rs. 4,000	Rs. 6,000	1.50%
Rs. 6 lakh – < Rs. 9 lakh	Rs. 6,000	Rs. 12,000	2.00%
Rs. 9 lakh – < Rs. 12 lakh	Rs. 7,000	Rs. 19,000	2.11%
Rs. 12 lakh and above	Rs. 8,000	Rs. 27,000	2.25%

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Redemption of White Pass Value:

• After you meet the minimum spend milestone of Rs. 2 lakh, you will be able to unlock your WHITE Pass value
• You will receive an SMS and e-mail link for claiming vouchers of the value credited
• On clicking the link, you will be directed to this page
• You will be requested to enter authentication parameters, i.e. your registered mobile number
• If all the entered details are correct and you are eligible for vouchers, an OTP will be sent to your registered mobile number
• Enter the correct OTP and also the last 4 digits of your card number. Post this you will have completed the validation process.
• You will now be allowed to explore various brand options and denominations available on the site
• You will have to select the desired brands, the required voucher denomination and confirm the request
• You will be shown a screen with your voucher code, validity, other details, and terms & conditions on successful confirmation. These details will also be shared with you via SMS and e-mail

Please note that the claim period for your White Pass is 1 year and 3 months. The claim period starts from the date your card is booked + additional 3 months. Also, every year on the card anniversary date, White Pass Value will reset to zero.

The reward structure of this card is a little difficult to understand. There are no direct reward points given on your purchases. You can only get them in the form of a White Pass. The rewards are capped at a maximum value of Rs. 27,000. Another problem with the structure is that the White Pass automatically expires every year on the card anniversary date.

Travel and Airport Lounge Benefits

The card offers the following travel and airport lounge access benefits:

Priority Pass

With complimentary Priority Pass Membership, you enjoy VIP access to over 1300 airport lounges. Get 4 complimentary airport lounge access every year with the Priority Pass worth $99.

Terms and conditions:

• Complimentary visits are available only for primary cardholders
• $27 per person per visit will be charged for the guest
• After completion of the complimentary visits, $27 will be applicable for the primary holder as well.
• While signing the visit voucher, do check if the number of guests has been entered accurately. In case there are no guests, strike off or mention NA.
• Please retain a copy of the visit voucher for 3 months.
• For Priority Pass Lounge Directory, click here

Domestic Airport Lounge Access

Get 8 complimentary airport lounge access annually within India (2 visits per quarter). Enjoy benefits such as gourmet meals, newspapers, magazines etc. Click here for more details. 

How much can you save using Kotak White Credit Card?

Have a look at the below-mentioned value chart to get a fair idea of how much you will be saved using your Kotak White Credit Card.

Assuming monthly spends of Rs. 1 lakh-

Items	Value (in Rs.)
Joining Fee	3,000*
Annual Fee	3,000**
Value Builders
Joining Gift	1,500
PP + 4 visits	15,525
Milestone	27,000
Value delivered per annum	38,025

*On Spending Rs. 30,000 in 60days from the card setup date, Rs.1,500 WHITE PASS will be given

**Annual Fee waiver of Rs.3,000 when your spends cross Rs.5 lakh annually

Other Benefits of Kotak White Credit Card

Apart from the varied benefits mentioned above, the card also offers the following additional benefits:

1% fuel surcharge waiver across all petrol pumps in India for transactions ranging from Rs. 400 to Rs. 7,500 (Maximum fuel surcharge waiver allowed in a calendar year is Rs. 4,500) 1.8% to 2.5% railway surcharge waiver when you book a ticket on www.irctc.co.in or through an Indian Railways booking counter You can convert any purchase above Rs. 2,500 to easy EMIs Protection from unauthorized transactions up to Rs. 2,50,000 per annum

Note: From 1st June 2025, 1% transaction fee will be imposed on Wallet Loading & Online Gaming transactions above Rs. 10,000 p.m., utility spends above Rs. 75,000 p.m. and fuel spends above Rs. 50,000 p.m.

Particulars	Fees / Charges
Joining Fee	Rs. 3,000
Annual Fee	Rs. 3,000
Finance Charges	3.50% p.m. (42% p.a.)
Late Payment Fee	For Outstanding Balance of – Up to Rs. 100: Nil More than Rs. 100 to Rs. 500: Rs. 100 More than Rs. 500 to Rs. 1,000: Rs. 500 More than Rs. 1,000 to Rs. 5,000: Rs. 600 More than Rs. 5,000 to Rs. 10,000: Rs. 750 More than Rs. 10,000 to Rs. 25,000: Rs. 900 More than Rs. 25,000 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300

As mentioned above, Kotak White Credit Card does not offer direct reward points but offers them in the form of a White Pass which might seem a little difficult to understand. Although a card of this fee range is expected to offer a better and much simpler reward structure. Other popular credit cards of this fee range like HDFC Regalia and  SBI Elite offer much better reward rates and structures. 

You should go for this card if:

1. You are ready to pay an annual fee of Rs. 3,000.
2. You are not looking for any category-specific discount.
3. You are okay with the reward structure of this card.
4. You are sure that you will be able to redeem your accumulated points (as the White Pass automatically expires every year on the card anniversary date).

PROS	CONS
There are no restricted categories for spends (even wallet upload is allowed) The annual fee waiver condition is not very high, as compared to other cards of the same fee range The vouchers given on achieving milestone spends are from well-known premium brands	Low reward rate The reward system is strange (Kotak White Credit Card does not offer direct reward points but offers them in the form of a White Pass) White Pass automatically expires The claim period for your White Pass is less (1 year and 3 months)

Read full review of the Kotak White Credit Card here.

Criteria	Details
Age	Minimum- 28  |    Maximum- 65
Occupation	Salaried or Self-employed
Minimum Income for Salaried Applicants	Rs. 25 lakh and above per annum
Serviceable Cities	Click here for the list of eligible cities
Documents Required	Click here to view all the documents

Kotak White Credit Card is not available on Paisabazaar’s platform. Those who wish to apply can either go to the bank’s official website, fill out the online application form, or visit the nearest Kotak Mahindra Bank branch.

What is the maximum Whitepass value customer earns in 1 anniversary period?
Every year on the anniversary date of the Card, the White Pass value will reset to zero. A maximum White Pass value of Rs. 27,000 can be accumulated in a year. The claim period for your White Pass is 1 year and 3 months.

How many airport lounge visits can I get in a quarter?
You can get 2 visits per quarter.

Will I earn reward points on my fuel purchases?
No, you will not earn reward points on your fuel expenses, but you will get a 1% fuel surcharge waiver on transactions that range between Rs. 500 and Rs. 3,000. Get a maximum fuel waiver of Rs.3,500 in every calendar year.

Is there any EMI option available with Kotak White Credit Card?
Yes, you can convert any purchase above Rs.2,500 to easy EMIs.