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.
Rates and fees last verified 19 July 2026.
Annual fee
₹3,000
Joining fee
₹3,000
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Premium
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹2,08,333
- Employment: salaried, self-employed
- Age: 28–60
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
Applying takes you to Kotak Mahindra Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.