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Kotak White Credit Card

Product Details
Credit Card Name : 

Kotak White Credit Card

Bank Name :

Kotak Mahindra Bank

Type :

Rewards Credit Card

Interest Rate : 

Interest Rate: 3.7% per month, 44.4% per year

Eligibility :

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

Kotak White Credit Card
Pros
  • Welcome Benefit: Earn a White Pass worth INR 1,500 on spending INR 30,000 within the first 60 days from card setup. 

  • Reward System: No rewards apart from milestone benefits. 

  • Milestone Benefit: You get a White Pass worth INR 2,000 on spending INR 2 lakhs on your credit card. You get a White Pass worth INR 4,000 on spending INR 4 lakhs on your credit card. You get a White Pass worth INR 6,000 on spending INR 6 lakhs on your credit card. You get a White Pass worth INR 7,000 on spending INR 9 lakhs on your credit card. You get a White Pass worth INR 8,000 on spending INR 12 lakhs on your credit card. White Pass vouchers can be redeemed against luxury brands like Giorgio Armani, Hugo Boss, Diesel, Satya Paul, Gas, Superdry, and Satya Paul.

  • Free Priority Pass membership.

  • Get free 4 international lounge visits. 

  • Get 2 free domestic lounge visits per quarter. 

Cons
  • No cashback on normal purchases.

  • White Pass vouchers can be redeemed only against luxuary brands.

  • No free movie tickets. 

Pros & Cons
Welcome Benefits

Welcome Benefit: Earn White Pass worth INR 1,500 on spending INR 30,000 within first 60 days from card setup. 

Rewards System

Reward System: No rewards apart from milestone benefits. 

International Forex Markup

3.5%

Welcome Benefits and Reward System
Special Features

Milestone Benefit: You get White Pass worth INR 2,000 on spending INR 2 lakhs on your credit card. You get White Pass worth INR 4,000 on spending INR 4 lakhs on your credit card. You get White Pass worth INR 6,000 on spending INR 6 lakhs on your credit card. You get White Pass worth INR 7,000 on spending INR 9 lakhs on your credit card. You get White Pass worth INR 8,000 on spending INR 12 lakhs on your credit card. White Pass vouchers can be redeemed against luxuary brands like Giorgio Armani, Hugo Boss, Diesel, Satya Paul, Gas, Superdry, 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

Benefits
  • Lounge benefits.

  • Milestone benefits. 

  • Travel benefits. 

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 Review

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

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

Product Review
Fees & Charges
  • Joining Fee of INR 3,000 + GST. 

  • Annual fee of INR 3,000 + GST. 

  • Cash withdrawal charges 2.5% of amount withdrawn or Rs. 500 whichever is higher. 

  • 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. 

  • Redemption Fee Rs. 99/- per redemption request. 

  • Bank Charges Cross Currency markup of 3.5% on the transaction value

Fuel Surcharge

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

Billing Cycle

30 days.

Fees & Charges
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