All cards / Kotak Mahindra Bank
Kotak White Credit Card
A premium Kotak card built around Priority Pass lounge access and large annual spend milestones, but it demands a high income and metro residency, and APR/forex terms aren't published. Spending under ₹2 lakh in a year earns nothing at all under the White Pass system, so the card only starts paying off once annual spend clears that floor, after which each additional slab adds a larger cash-equivalent bonus. International lounge access through Priority Pass is reserved for the primary cardholder only — add-on holders and any guests pay a per-visit fee out of pocket.
Annual fee
₹3,000
Joining fee
₹3,000
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 8 complimentary domestic airport lounge visits/year (2/quarter)
- International lounge access: 4 complimentary international lounge visits/year via Priority Pass ($99 membership fee waived); primary cardholder only, add-ons and guests pay per visit
- Insurance benefits: Cover against unauthorized card use worth ₹2.5 lakh, applicable from 7 days prior to reporting card loss
Benefits by category
- ✈️ Travel
Complimentary Priority Pass membership (worth $99) plus 8 domestic (2/quarter) and 4 international lounge visits annually
- ⛽ Fuel
1% fuel surcharge waiver on transactions ₹500–₹7,500, capped at ₹3,500/year
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹2,08,333
- Employment: salaried, self-employed
- Age: 28–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹5,00,000
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions ₹500–₹7,500, capped at ₹3,500/year
Benefits
- White Pass rewards worth ₹2,000–₹8,000 at annual spend milestones from ₹2L to ₹12L, up to ₹27,000/year; 1 White Pass = ₹1 (brand catalog) or ₹0.70 (cash redemption)
- White Pass worth ₹1,500 on spending ₹30,000 within 60 days of card issuance
- Complimentary Priority Pass membership (worth $99) plus 8 domestic (2/quarter) and 4 international lounge visits annually
- 1% fuel surcharge waiver on transactions ₹500–₹7,500, capped at ₹3,500/year
- Railway booking surcharge waiver and balance transfer with a 3-month interest-free period
Pros
- + Strong milestone rewards for high spenders (up to ₹27,000/year)
- + Priority Pass membership with generous domestic and international lounge access
- + Fuel surcharge waiver
Cons
- − ₹25 lakh/year income requirement, largely restricted to major metros
- − Interest rate and forex markup are not disclosed on the official site
- − No milestone reward at all until annual spend crosses ₹2 lakh
- − International lounge access via Priority Pass excludes add-on cardholders and guests, who pay per visit
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