Kotak White Credit Card

Welcome benefits

• Users can earn a White pass worth ₹1,500 on spending ₹30,000 within the first 60 days of card setup

Rewards & cashback

• No rewards apart from milestone benefits

Milestone benefits

• Users will get a White pass worth ₹2,000 on spending Rs ₹2 Lakhs on the credit card
• Users can get a White pass worth ₹4,000 on spending Rs ₹4 Lakhs on the credit card, a White pass worth ₹6,000 on spending Rs ₹6 Lakhs on the credit card, a White pass worth ₹7,000 on spending Rs ₹9 Lakhs on the credit card, a White pass worth ₹8,000 on…
• White pass vouchers can be redeemed against luxury brands like Giorgio Armani, Hugo Boss, Diesel, Satya Paul, Gas, Superdry, and Satya Paul

Airport lounge access

• Free Priority pass membership.; Free 4 international lounge visits annually.; 2 free domestic lounge visits per quarter

More benefits & features

• Users will get a White pass worth ₹2,000 on spending ₹2 lakhs on the credit card
• Users can get a White Pass worth ₹4,000 on spending ₹4 lakhs on the credit card, a White Pass worth ₹6,000 on spending ₹6 lakhs on the credit card, a White Pass worth ₹7,000 on spending ₹9 lakhs on the credit card, a White Pass worth ₹8,000 on spending ₹12…
• Travel benefits

Fees & charges

Joining fee

of ₹3,000 + taxes

Annual fee

of ₹3,000 + taxes

Foreign currency markup

3.5%

Interest rate

3.7% per month, 44.4% per year

Late payment

Late payment charges - Upto ` 100- ₹0/- > ` 100 to `500- ₹100/- > ` 500 to `5,000- ₹500/- > ` 5,000 to `10,000- ₹600/, 10,000 to 25,000-…

Cash advance

2.5% of amount withdrawn or ₹500 whichever is higher

Fuel surcharge

1% fuel surcharge, waived on transaction value between ₹500 and ₹3000, maximum waiver of ₹3500 in a year

Billing cycle

30 days

Other fees

Cash withdrawal charges 2.5% of amount withdrawn or ₹500 whichever is higher. | Redemption Fee ₹99/- per redemption request. | Bank…

Pros and cons

Who can apply

• 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

How to apply

1. Online Visit the Kotak Mahindra Bank website and click on the "Credit Cards" tab
2. Select the "White Credit Card" and click on the "Apply Now" button
3. Fill in the application form with your personal and financial details
4. Upload the required documents, such as your PAN card, Aadhar card, and income proof
5. Review and submit your application
6. The bank will review your application and get in touch with you if you are approved for the card
7. 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…