Kotak White Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will earn a White pass worth Rs 1,500 on spending Rs 30,000 within the first 60 days from card setup.
Milestone Benefits
Milestone Benefit: Users will get a White pass worth Rs 2,000 on spending Rs Rs 2 Lakhs on the credit card. Users can get a White pass worth Rs 4,000 on spending Rs Rs 4 Lakhs on the credit card, a White pass worth Rs 6,000 on spending Rs Rs 6 Lakhs on the credit card, a White pass worth Rs 7,000 on spending Rs Rs 9 Lakhs on the credit card, a White pass worth Rs 8,000 on spending Rs Rs 12 Lakhs on the credit card. White pass vouchers can be redeemed against luxury brands like Giorgio Armani, Hugo Boss, Diesel, Satya Paul, Gas, Superdry, and Satya Paul.
Cashback Rate
No rewards apart from milestone benefits.
Movie Benefits
Dining Benefits
Other Benefits
Travel benefits.
Lounge Access
Free Priority pass membership.; Free 4 international lounge visits annually.; 2 free domestic lounge visits per quarter.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will earn a White pass worth Rs 1,500 on spending Rs 30,000 within the first 60 days from card setup.
Milestone Benefits
Milestone Benefit: Users will get a White pass worth Rs 2,000 on spending Rs Rs 2 Lakhs on the credit card. Users can get a White pass worth Rs 4,000 on spending Rs Rs 4 Lakhs on the credit card, a White pass worth Rs 6,000 on spending Rs Rs 6 Lakhs on the credit card, a White pass worth Rs 7,000 on spending Rs Rs 9 Lakhs on the credit card, a White pass worth Rs 8,000 on spending Rs Rs 12 Lakhs on the credit card. White pass vouchers can be redeemed against luxury brands like Giorgio Armani, Hugo Boss, Diesel, Satya Paul, Gas, Superdry, and Satya Paul.
Cashback Rate
No rewards apart from milestone benefits.
Movie Benefits
Dining Benefits
Other Benefits
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Lounge Access
Free Priority pass membership.; Free 4 international lounge visits annually.; 2 free domestic lounge visits per quarter.
Fees & Charges
Joining Fee
of INR 3,000 + GST.
Annual Fee
of INR 3,000 + GST.
Cash Advance Fee
2.5% of amount withdrawn or Rs. 500 whichever is higher.�
Interest rate
Interest Rate: 3.7% per month, 44.4% per year
Late Payment Fee
Late payment charges - Upto ` 100- Rs. 0/- > ` 100 to `500- Rs. 100/- > ` 500 to `5,000- Rs. 500/- > ` 5,000 to `10,000- Rs. 600/, 10,000 to 25,000- Rs. 800/, 25,000 to 50,000- Rs. 1,000/, more than 50,000: INR 1,200.
Foreign Currency Transactions Fee
3
Other Fees
Cash withdrawal charges 2.5% of amount withdrawn or Rs. 500 whichever is higher. | Redemption Fee Rs. 99/- per redemption request. | Bank Charges Cross Currency markup of 3.5% on the transaction value
Fees & Charges
Joining Fee
of INR 3,000 + GST.
Annual Fee
of INR 3,000 + GST.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.7% per month, 44.4% per year
Late Payment Fee
Late payment charges - Upto ` 100- Rs. 0/- > ` 100 to `500- Rs. 100/- > ` 500 to `5,000- Rs. 500/- > ` 5,000 to `10,000- Rs. 600/, 10,000 to 25,000- Rs. 800/, 25,000 to 50,000- Rs. 1,000/, more than 50,000: INR 1,200.
Foreign Currency Transactions Fee
3
Other Fees
Cash withdrawal charges 2.5% of amount withdrawn or Rs. 500 whichever is higher. | Redemption Fee Rs. 99/- per redemption request. | Bank Charges Cross Currency markup of 3.5% on the transaction value
Special Features
Milestone Benefit: Users will get a White pass worth INR 2,000 on spending INR 2 lakhs on the credit card. Users can get a White Pass worth INR 4,000 on spending INR 4 lakhs on the credit card, a White Pass worth INR 6,000 on spending INR 6 lakhs on the credit card, a White Pass worth INR 7,000 on spending INR 9 lakhs on the credit card, a White Pass worth INR 8,000 on spending INR 12 lakhs on the credit card. White Pass vouchers can be redeemed against luxury brands like Giorgio Armani, Hugo Boss, Diesel, Satya Paul, Gas, Superdry, and Satya Paul.
Eligibility Criteria
Primary Credit Card holders should be in the age bracket of 18 years to 65 years and an Indian resident. Add-on Card holder should be 18 years and above.
Location: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune.
Income: INR lakh and above per annum.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Online Visit the Kotak Mahindra Bank website and click on the "Credit Cards" tab.
Select the "White Credit Card" and click on the "Apply Now" button.
Fill in the application form with your personal and financial details.
Upload the required documents, such as your PAN card, Aadhar card, and income proof.
Review and submit your application.
The bank will review your application and get in touch with you if you are approved for the card.
The required documents for applying for a Kotak Mahindra White Credit Card are: PAN card Aadhar card Income proof (salary slip, salary certificate, Form 16 for salaried individuals; PAN card, IT return, Form 60/61 for self-employed individuals)
Contact Details
1860 266 2666
Account Opening and Procedure
Kotak White Credit Card does not offer any kind of points or cashback. However, it offers decent milestone benefits. It offers good lounge benefits too. Overall this card is suited only for those individuals who are high spenders and those white travel internationally frequently.
Kotak White Credit Card does not offer any kind of points or cashback. However, it offers decent milestone benefits. It offers good lounge benefits too. Overall this card is suited only for those individuals who are high spenders and those white travel internationally frequently.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai