INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official kotak.com (Kotak Mahindra Bank) Most Important Terms and Conditions (MITC).

🏛️Kotak Mahindra Bank Ltd.Network: Visa SignatureShopping & Rewards CardsLast Verified: 2026-09-28

Kotak White Credit Card

कोटक व्हाइट क्रेडिट कार्ड

Milestone-driven card offering up to ₹27,000 in luxury White Pass vouchers for Apple, Taj, and premium fashion brands on achieving spend goals.

Annual Fee₹1,500 + GST (Renewal: ₹1,500 + GST)

Reward RateMilestone-driven White Pass currency: Earn ₹2,00,000 spend = ₹2,000 White Pass; ₹4,00,000 spend = ₹4,000 White Pass; ₹6,00,000 spend = ₹7,000 White Pass; ₹9,00,000 spend = ₹12,000 White Pass; up to ₹27,000 in White Pass vouchers annually.

Airport Lounge4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter).

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

Kotak White Credit Card is an innovative milestone-driven lifestyle card with a minimalist all-white card aesthetic. Tailored for disciplined spenders who hit consistent annual expenditure thresholds, it substitutes conventional points with White Pass vouchers (up to ₹27,000/yr) redeemable for Apple, Taj, and luxury fashion brands.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹1,500 + GST (Renewal: ₹1,500 + GST)

Fee Waiver: Spend ₹5,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹1,500 waived.

🎁Welcome Benefit

White Pass vouchers worth ₹1,500 credited upon spending ₹30,000 within the first 60 days of card issuance.

⚡Reward Points Structure

Milestone-driven White Pass currency: Earn ₹2,00,000 spend = ₹2,000 White Pass; ₹4,00,000 spend = ₹4,000 White Pass; ₹6,00,000 spend = ₹7,000 White Pass; ₹9,00,000 spend = ₹12,000 White Pass; up to ₹27,000 in White Pass vouchers annually.

Redemption Value: 1 White Pass Value = ₹1.00 directly redeemable for premium luxury retail brand gift vouchers (Apple, Zara, Taj Hotels, Tumi, Marks & Spencer, flight tickets).

🛫Airport & Railway Lounge Access

4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter).

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Lost card liability cover up to ₹2.5 Lakhs.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹500 and ₹3,000 (maximum waiver of ₹3,500 annually).

🎯Milestone Spends & Grace Period

Milestones: Up to ₹27,000 in luxury brand vouchers annually via White Pass milestones. Annual fee reversal on ₹5 Lakhs annual spend.

Interest-Free Period: Up to 48 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

If milestone thresholds (minimum ₹2 Lakhs annual spend) are not achieved, base retail rewards are minimal. White Pass vouchers expire within 12 months. Spend-based fee waiver requires ₹5 Lakhs spend.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee₹300 flat per ATM cash withdrawal + 3.50% monthly finance charges.

Finance Charges (Interest)3.50% per month (42.00% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹800 for ₹10,001–₹25,000; ₹1,000 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).

Reward Points ExpiryWhite Pass vouchers expire 12 months from the date of milestone issuance.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹75,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹9,00,000.

Age Requirement21 to 65 Years

Minimum Income₹75,000/month (Salaried) / ₹9,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 740+ is standard.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit kotak.com/cards or open Kotak Mobile app.

2Enter PAN and mobile number for instant eligibility check.

3Select Kotak White Credit Card.

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any Kotak Mahindra Bank branch with self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (kotak.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Kotak White Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹800 for ₹10,001–₹25,000; ₹1,000 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Kotak White Credit Card into EMI?

Yes, Kotak Mahindra Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Kotak White Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Kotak Mahindra Bank Ltd.'s official mobile banking application or web portal. 1 White Pass Value = ₹1.00 directly redeemable for premium luxury retail brand gift vouchers (Apple, Zara, Taj Hotels, Tumi, Marks & Spencer, flight tickets). Please note: White Pass vouchers expire 12 months from the date of milestone issuance.

What is the interest-free grace period on Kotak White Credit Card and how does it work?

The interest-free period on Kotak White Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

← Back to Complete Credit Cards Directory View All Kotak Mahindra Bank Ltd. Products & Loans →