MyFinCards
White Credit Card

Joining Fee

₹3,000

Annual Fee

Rs. 3000 (Reversed on annual spends of Rs. 5 Lakhs)

Kotak Bank
Lifestyle
Rewards
Travel
Best For: High spenders seeking luxury brand rewards, Frequent domestic and international travelers, Premium lifestyle seekers in metro cities

White Credit Card

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹1

Earning Cap

₹27,000 /annually

Pros

  • Up to Rs.27,000 in White Pass value annually on milestone spends
  • Priority Pass membership worth USD 99 included
  • 4 free international + 8 domestic lounge visits per year
  • Luxury brand redemption catalog
  • Low joining and annual fee of Rs.3,000
  • Annual fee waiver on Rs.5 lakh spend
  • 1% fuel surcharge waiver

Cons

  • High minimum income requirement of Rs.25 lakh per annum
  • Available only in select cities
  • White Pass resets to zero every anniversary year
  • Cashback redemption value is only Rs.0.70 per White Pass vs Rs.1 for catalog
  • Cannot hold multiple active White or White Reserve cards simultaneously

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

White Pass balance valid only for 90 days after anniversary cycle end

Annual White Pass cap of Rs.27,000

Guest lounge visits charged at USD 35 per visit

International lounge access requires activation of international transactions; USD 1 visit validation charge (auto-reversed in 7 days)

Programme eligibility must be maintained for fee waiver in some variants

Rent payments attract 2% fee + GST on MCC 6513

Key Benefits & Features

Balance Transfer: 3-month interest-free period on transferring outstanding balances from other credit cards. Processing fee Rs.349 + Service Tax per Rs.10,000.

Contactless payments via Visa PayWave up to Rs.5,000 without PIN.

Railway surcharge waiver of 1.8% to 2.5% on IRCTC bookings. Max waiver Rs.500 per calendar year.

Eligibility Criteria

Min. Annual Income

₹25.0 Lakhs

Age Requirement

28+ Years

Occupation

SALARIED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

ADDRESS Proof

Driving License
Electricity Bill
Passport

INCOME Proof

Salary Slip
Income Tax Returns

Notable Exclusions

Fuel surcharge waiver applicable only on transactions between Rs.500 and Rs.7,500Railway surcharge waiver capped at Rs.500 per calendar yearWhite Pass not credited if customer holds multiple active White and/or White Reserve cardsDomestic lounge complimentary visits applicable for primary cardholder only; add-on card or guest visits are chargeable

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About White Credit Card

The Kotak White Credit Card is a premium lifestyle credit card designed for high-spending individuals who seek exclusive rewards and luxury brand experiences. Available to residents of major metro cities with an annual income of ₹25 lakh or above, the card offers a distinctive rewards structure called White Pass, a milestone-based program that eliminates the complexity of traditional points tracking. Cardholders can earn up to ₹27,000 in White Pass value annually on spends of ₹12 lakh, redeemable against a curated collection of premium brands, flights, hotels, philanthropy, and National Geographic travel expeditions. Travel benefits are a key highlight, with a complimentary Priority Pass membership worth USD 99, four international lounge visits annually, and eight domestic airport lounge visits per year. The card carries a joining and annual fee of ₹3,000 each, with an annual fee waiver available on retail spends of ₹5 lakh. Additional perks include a welcome benefit of ₹1,500 on spending ₹30,000 within the first 60 days, fuel surcharge waivers, railway surcharge savings, EMI conversion options on purchases above ₹2,500, and a complimentary add-on card for family members. Powered by Visa, the card also supports contactless PayWave technology, enabling fast and secure tap-to-pay transactions up to ₹5,000 without a PIN, making everyday spending as effortless as its luxury rewards experience.

Expert Review

Our Verdict

Premium milestone-based rewards card with luxury brand vouchers, lounge access & fuel surcharge waiver.

Frequently Asked QuestionsAbout White Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Kotak White Credit Card?
To apply for the Kotak White Credit Card, the primary cardholder must be between 28 to 60 years of age, and add-on cardholders must be at least 18 years old. The minimum annual income required is ₹25 lakh. Additionally, the card is currently available only in select cities: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune.
FEESWhat is the joining fee and annual fee for the Kotak White Credit Card?
The Kotak White Credit Card has a joining fee of ₹3,000 + GST and an annual fee of ₹3,000 + GST. The annual fee can be waived if you achieve annual retail spends of ₹5,00,000 (₹5 lakh) in a card anniversary year. There is no waiver condition for the joining fee. GST and applicable taxes are charged as per the rates approved in the Finance Act each year.
REWARDSWhat is the White Pass rewards program and how does it work?
White Pass is an exclusive milestone-based rewards program offered with the Kotak White Credit Card. Instead of tracking points, you earn direct White Pass value when you cross spend milestones in a card anniversary year. For example: ₹2,000 on ₹2 lakh spend, ₹6,000 cumulative on ₹4 lakh, ₹12,000 on ₹6 lakh, ₹19,000 on ₹9 lakh, and up to ₹27,000 cumulative on ₹12 lakh in annual spends. 1 White Pass equals ₹1 when redeemed on the White Pass catalog.
REWARDSWhat is the maximum White Pass value I can earn, and does it expire?
You can accumulate a maximum White Pass value of ₹27,000 in a card anniversary year. Every year on the anniversary date of the card, White Pass value is reset to zero. However, your White Pass balance remains valid for an additional 90 days after every anniversary cycle. For example, if your card was set up on 1 June 2025, the balance earned up to 31 May 2026 can be claimed until 29 August 2026.
USAGEHow can I redeem my White Pass balance?
To redeem your White Pass balance, log in to the Kotak Mobile App, click on the Card Overview icon and enter your MPIN, scroll down to the reward points section, and click 'Claim Now.' You will be redirected to the White Pass redemption portal where you can choose your preferred redemption option. You can redeem against premium brand vouchers, flights, hotels, philanthropy, or curated National Geographic travel expeditions. A confirmation will be sent via email and SMS once redemption is complete.
REWARDSWhat is the value of White Pass when redeemed for cashback versus the catalog?
The value of White Pass differs based on how you redeem it. When redeemed against the White Pass premium brand catalog (gift vouchers, flights, hotels, travel, etc.), 1 White Pass equals ₹1. However, if you choose to redeem for cashback, the value is lower at ₹0.70 per White Pass. To maximize the value of your rewards, it is recommended to redeem through the White Pass catalog rather than opting for cashback.
BENEFITSWhat are the lounge access benefits of the Kotak White Credit Card?
The Kotak White Credit Card offers comprehensive lounge access benefits. For international travel, you receive a complimentary Priority Pass membership worth USD 99 along with 4 free international lounge visits annually, providing access to 1,300+ lounges across 148 countries. For domestic travel, you get 8 complimentary visits per year at select Indian airport lounges (2 per quarter). Complimentary visits are applicable for the primary cardholder only; guest visits and visits after exhausting complimentary quota are charged at USD 35 per person per visit.
BENEFITSIs there a welcome benefit for new Kotak White Credit Card holders?
Yes, new Kotak White Credit Card holders can earn a welcome White Pass value of ₹1,500 by spending ₹30,000 within 60 days from the date of card set-up. This benefit is subject to payment of the joining fee and is not applicable for free variants. The White Pass value can then be redeemed against premium brands in the White Pass catalog or used for flights, hotels, and other travel experiences.
BENEFITSWhat fuel and railway surcharge waivers are available on the Kotak White Credit Card?
The Kotak White Credit Card offers a 1% fuel surcharge waiver across all petrol pumps in India, applicable on transactions between ₹500 and ₹7,500, with a maximum waiver of ₹3,500 per calendar year. Additionally, a railway surcharge waiver of 1.8% to 2.5% is available for tickets booked on www.irctc.co.in or at railway booking counters, with a maximum waiver of ₹500 per calendar year.
USAGEHow does the Visa PayWave contactless payment feature work on the White Credit Card?
The Kotak White Credit Card comes with Visa PayWave, a contactless payment feature that allows you to pay by simply waving your card near a compatible POS terminal without entering a PIN, for transactions up to ₹5,000 (as per RBI guidelines). Look for the Visa PayWave or contactless logo on the POS machine, check the amount, tap your card, and a message with 4 beeps confirms a successful transaction. For transactions above ₹5,000, Chip & PIN mode with mandatory PIN authentication is required.
OTHERCan I hold both a Kotak White Credit Card and a White Reserve Credit Card simultaneously?
No, as per Kotak Mahindra Bank's internal norms, a customer can hold only one active White or White Reserve Credit Card at any given time. If you hold multiple active White and/or White Reserve cards, White Pass will not be credited to your account. If you wish to upgrade or switch between the two variants, you would need to cancel the existing card before applying for the other.
BENEFITSWhat EMI and balance transfer options are available with the Kotak White Credit Card?
The Kotak White Credit Card offers flexible EMI options, allowing you to convert any purchase above ₹2,500 into easy EMI payments. Additionally, you can transfer outstanding balances from other credit cards to your Kotak White Credit Card and enjoy a 3-month interest-free period. A processing fee of ₹349 + applicable service tax per ₹10,000 transferred applies for the balance transfer facility.
APPLICATIONHow do I apply for the Kotak White Credit Card?
You can apply for the Kotak White Credit Card online through the official Kotak Mahindra Bank website by clicking the 'Apply Now' button on the White Credit Card page. You will need to meet the eligibility criteria: be between 28–60 years of age, have an annual income of ₹25 lakh or more, and reside in one of the eligible cities (Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi/NCR, Hyderabad, Kolkata, Mumbai, or Pune). You can also track your application status through the bank's website.
BENEFITSCan I get an add-on card with the Kotak White Credit Card?
Yes, the Kotak White Credit Card provides a complimentary add-on card for your family members. The minimum age for an add-on cardholder is 18 years. You also have the option to set individual spending limits for add-on cardholders as per your needs. Please note that complimentary lounge access benefits (both international and domestic) are applicable only for the primary cardholder; add-on cardholders will be charged for lounge visits.
FEESWhat is the total value delivered annually by the Kotak White Credit Card?
Based on monthly spends of ₹1 lakh, the Kotak White Credit Card can deliver a total annual value of approximately ₹64,390. This includes a joining gift of ₹1,500, Priority Pass membership with 4 international lounge visits worth ₹19,890, up to ₹27,000 in White Pass value, and 8 domestic airport lounge visits worth ₹16,000 — all for an annual fee of just ₹3,000. The annual fee itself can be waived on annual spends of ₹5 lakh.

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