कोटक व्हाइट क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Kotak Mahindra Bank Ltd.
Milestone-driven card offering up to ₹27,000 in luxury White Pass vouchers for Apple, Taj, and premium fashion brands on achieving spend goals.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
White Pass vouchers worth ₹1,500 credited upon spending ₹30,000 within the first 60 days of card issuance.
4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter).
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹500 and ₹3,000 (maximum waiver of ₹3,500 annually).
Up to ₹27,000 in luxury brand vouchers annually via White Pass milestones. Annual fee reversal on ₹5 Lakhs annual spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹75,000/month (Salaried) / ₹9,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit kotak.com/cards or open Kotak Mobile app. Step 2: Enter PAN and mobile number for instant eligibility check. Step 3: Select Kotak White Credit Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.