Joining Fee
₹3,000
Annual Fee
Rs. 3000 (Reversed on annual spends of Rs. 5 Lakhs)
Add-on Card Fee
Free per supplementary card
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
Required Documents
IDENTITY Proof
ADDRESS Proof
INCOME Proof
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
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.
Our Verdict
Premium milestone-based rewards card with luxury brand vouchers, lounge access & fuel surcharge waiver.
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