What is the Kotak White Credit Card?

The Kotak White Credit Card is a premium offering by Kotak Mahindra Bank with a unique White Pass rewards program, designed for luxury experiences and high-spenders.

What are the joining and annual fees for the Kotak White Credit Card?

The Kotak White Credit Card has a joining fee and annual fee of ₹3,000 + GST each.

How can I waive the annual fee for my Kotak White Credit Card?

The annual fee for the Kotak White Credit Card is waived on annual retail spends of ₹5 lakhs in the preceding year.

How does the White Pass rewards program work on the Kotak White Credit Card?

The White Pass program on the Kotak White Credit Card offers direct value based on spend milestones, rather than traditional reward points.

What are the welcome benefits of the Kotak White Credit Card?

Cardholders can earn a White Pass value of ₹1,500 on spending ₹30,000 within 60 days of setting up the Kotak White Credit Card.

Does the Kotak White Credit Card offer airport lounge access?

Yes, the Kotak White Credit Card provides 4 complimentary international and 8 complimentary domestic airport lounge visits annually.

What is the foreign currency markup on the Kotak White Credit Card?

The foreign currency markup on the Kotak White Credit Card is 3.5% + GST for all international transactions.

Are there any fuel surcharge waivers with the Kotak White Credit Card?

Yes, the Kotak White Credit Card offers a 1% fuel surcharge waiver up to ₹3,500 per year on transactions between ₹500 and ₹7,500.

How can I redeem White Pass value from my Kotak White Credit Card?

White Pass value from your Kotak White Credit Card can be redeemed for luxury brand vouchers, flights, hotels, or philanthropic donations via the Kotak Mobile app.

Who is eligible for the Kotak White Credit Card?

Applicants for the Kotak White Credit Card need an annual income of ₹25 lakh or above and must be aged between 28-60 years, residing in select cities.

Kotak Mahindra Bank

Kotak White Credit Card

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Last updated: 30 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Earn a White Pass value of ₹1,500 on spending ₹30,000 within 60 days from card setup.

Rewards Rate

Earn White Pass value on spend milestones: ₹2k for ₹2L, ₹4k for ₹4L (cumulative ₹6k), up to ₹27k annually.

Reward Type

White Pass Value

Reward Redemption

Redeem White Pass value for luxury brands (Amazon, Taj), flights, hotels, philanthropy, and travel expeditions.

Domestic Lounge Access

8 complimentary visits annually at select Indian airport lounges, limited to 2 visits per quarter.

International Lounge Access

Annual Priority Pass membership with 4 complimentary international lounge visits globally.

Premium Benefits

Not Applicable

Insurance Coverage

₹2.5 lakh lost card liability cover against unauthorized use, valid 7 days prior to reporting loss.

Movie

15% off up to ₹4,000 on Maroon5 concert tickets & 10% off up to ₹1,000 on Peppa Pig theatricals.

Dining

Not Applicable

Travel Benefits

Complimentary international and domestic airport lounge access; redemption for flights, hotels & travel expeditions.

What matters, explained clearly

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Frequently Asked Questions

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