Our Money Guide

Kotak White Credit Card is a premium credit card from Kotak Mahindra Bank. It has a simple reward structure wherein you get rewards on annual card spend milestones. You also get lifestyle privileges like complimentary access to airport lounges in India and abroad.

Brief Summary

Our Rating
3.75 / 5

Our View

Best for flat rate rewards since you get rewards on all spends , through an annual card spend based milestone program called White Pass. You can earn upto 2.25% through this program.

You also get lifestyle privileges like complimentary access to airport lounges in India (2 times per quarter) and abroad (4 times per year).

Annual fee is waived from the 2nd year onwards , if you spend ₹5 lakhs or more per year.

on Kotak Mahindra Bank website

Kotak White Credit Card

Special Benefits

Upto 2.25% benefit on all spends

Other Benefits

Complimentary airport lounge access both in Indian and abroad

Minimum Income

Not specified

Annual Fee

₹ 3000

Annual Fee Offers

Welcome offer worth ₹1500

Kotak White Credit Card : Summary Table

Upto 2.25% benefit through spend based milestone program – White PassYou earn White Pass value at 5 levels of annual card spend (spends within a card anniversary year) –
1. At ₹2 lakh spend , you get 2000 White Pass value worth ₹2000
2. At ₹4 lakh spend , you get additional 4000 White Pass value worth ₹4000
3. At ₹6 lakh spend , you get additional 6000 White Pass value worth ₹6000
4. At ₹9 lakh spend , you get additional 7000 White Pass value worth ₹7000
5. At ₹12 lakh spend , you get additional 8000 White Pass value worth ₹8000

Hence at ₹12 lakh spend, you would earn a total of 27000 White Pass Value worth ₹27000 – which is a 2.25% reward rate.

You can redeem White Pass value for an exclusive range of gift cards, flights, hotels and more.
Complimentary access to international airport lounges– You get complimentary Priority Pass membership worth USD 99, which enables international lounge access
– You get free visits to airport lounges outside India – upto 4 times per year.
Complimentary access to domestic airport lounges– You get free visits to airport lounges in India – upto 2 times per quarter.
– Please click here to view the list of lounges.
Fuel surcharge waiver You get 1% fuel surcharge waiver :
– only on fuel transactions between ₹500 and ₹3000 and
– only on yearly fuel purchases upto ₹3.50 lakhs per calendar year (since the maximum waiver amount is capped at ₹3500 per year).
Railway surcharge waiver You get 1.8% to 2.5% railway surcharge waiver , on ticket bookings made at www.irctc.co.in or at railway booking counters. Maximum waiver given is ₹500 per calendar year.
₹3000 annual fee
Annual fee offers –
Welcome offer : You get a ₹1500 voucher , upon spending ₹30,000 within 60 days of setting up your card.

Renewal offer : Annual fee is not charged from the second year onwards if you spend ₹5,00,000 or more in the previous year.
Minimum income requirements ₹25 lakhs per year
Cities at which card is availableCard is only given at the following cities – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune

Pros & Cons

Benefits of using the card

  • You can get over 2% reward rate on all spends through the milestone based White Pass program.
  • Rewards are given on all spends, unlike some specialist credit cards where you get accelerated rewards at specific partners and/or on specific card spend categories.
  • You get complimentary access to airport lounges both in India and abroad

Limitations and drawbacks to consider

  • You can get better rewards with other cards available in the marketplace

Comparing with Competitor Fuel Credit Cards

Features
HDFC Indian Oil Credit Card
Our Rating
       
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Axis Bank Indian Oil Credit Card
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Rewards Rate 0.2% – 4.8%

0.20% – 4%

Other benefits Fuel Surcharge Waiver Fuel Surcharge Waiver
Annual Fee ₹500

₹500

Annual Fee Offers Zero renewal fees – if minimum spending in the previous year is ₹50,000 Zero renewal fees – if minimum spending in the previous year is ₹50,000
Minimum Income Over ₹10,000 monthly for salaried individuals and over ₹6 Lakhs per annum for self-employed individuals.

Not Specified

Full Review of the Kotak White Credit Card

Features & Benefits of Kotak White Credit Card

Upto 2.25% benefit through spend based milestone program – White Pass

Redeeming rewards : You can claim claim White Pass vouchers by following the below steps:

  1. Login to Kotak Mobile app.
  2. Click on the Card Overview icon and enter your MPIN.
  3. Scroll down to the section of reward points.
  4. Click on ‘Claim now.’ You will be redirected to the White Pass redemption portal.
  5. Select the option you want to redeem your White Pass on.
  6. After redemption, you will receive a confirmation via email and SMS with redemption details.
  7. You can also view all your redemptions in the Redemption History tab of the White Pass portal.

Complimentary access to international airport lounges – 4 times per year

Complimentary access to domestic airport lounges – 2 times per quarter

– You get free visits to airport lounges in India – upto 2 times per quarter.
– Please click here to view the list of lounges.

Other Cardholder Benefits

Fuel surcharge waiver You get 1% fuel surcharge waiver :
– only on fuel transactions between ₹500 and ₹3000 and
– only on yearly fuel purchases upto ₹3.50 lakhs per calendar year (since the maximum waiver amount is capped at ₹3500 per year).
Railway surcharge waiver You get 1.8% to 2.5% railway surcharge waiver , on ticket bookings made at www.irctc.co.in or at railway booking counters. Maximum waiver given is ₹500 per calendar year.
24/7 customer supportTo get in touch with the Bank, you can dial 1800 266 6666 or simply send an SMS with the text “KPRIVY” to 5676788. If you have any queries, we’ll make sure to call you back within 30 minutes.

Kotak Mahindra Bank is always available to assist you, please click here for all the options to contact the bank.
Security featuresChip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards usually includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even your card is lost it is unlikely to be misused since BOTH the physical card and the PIN is required to spend on the card

Two-factor authentication – security for online transactions : When making an online transaction, you usually approve your online transaction through a One-time Password (OTP) which you get on your mobile phone . Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience.

SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you usually get free SMS alerts and notifications for all your credit card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of your card being misused, you would still get these alerts and notifications – which will help you to immediately block your credit card.

Important Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹3000
Welcome offer : You get a ₹1500 voucher , upon spending ₹30,000 within 60 days of setting up your card.
Renewal fee from 2nd year onwards₹3000Renewal fee offer : Annual fee is not charged from the second year onwards if you spend ₹5 lakhs or more in the previous year.

Foreign currency mark-up fee
3.50% of the transaction amount – this fee is charged when you use your card outside India.

Finance charges
3.50% per month (42% per annum)

Important note
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– Please click here to view all fees & charges on this card

Eligibility Criteria

Some basic criteria is given below, there maybe additional requirements based on your profile, this is at the sole discretion of Kotak Mahindra Bank.

Minimum income₹25 lakhs per year
Minimum age Primary cardholders : 28 years
Add-on cardholders : 18 years or above
Maximum age65 years
Residency Resident of India

Card is only given at the following cities – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
Minimum incomeNot specified
Other criteriaRegular source of income, good credit score preferably above 750, etc.

Application Process & Tracking Your Application Status

Step-by-step guide

Online application process 
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Kotak Mahindra Bank website. You can also visit official website of the bank and fill out the application form.

Steps –
1. Fill in the required details in the online application form, including personal and employment details, contact information, and income details.
2. Submit the application form along with the necessary documents such as identity proof, address proof, income proof and age proof.
3. Once your application is received, Kotak Mahindra Bank will review your application and verify the information provided.
4. Upon successful verification, you will receive a confirmation, and your Credit Card will be dispatched to your registered mailing address.
Offline (face to face)  application processAlternatively, you can also apply for the card by visiting the nearest Kotak Mahindra Bank branch, and submitting your application along with the necessary documents. To find the branch nearest to you, please visit here.
Tracking card application statusYou can track your credit card application status by clicking here – Kotak Credit Card Application Status

Necessary documents

Common documents required to attain a credit card are as follows. Additional documents may be required on a case-to-case basis, this is at the sole discretion of Kotak Mahindra Bank.

Required documents 
For salaried employees :
Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one)
Address proof : Utility bill, ration card, passport, driving license, voter ID card (any one)
Income proof : Salary slips, Form 16, income tax returns (any one)
Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one)

For self-employed professionals :
– Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one)
– Address proof : Utility bill, ration card, passport, driving license, voter ID card , last two months’ bank statement (any one)
– Income Proof : Income tax returns with computation of income, certified financial documents, proof of business continuity (any one)
– Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one)

Conclusion

Kotak White Credit Card is best for flat rate cashback since you get rewards on all spends , through an annual card spend based milestone program called White Pass. You can earn upto 2.25% through this program. You also get lifestyle privileges like complimentary access to airport lounges in India (2 times per quarter) and abroad (4 times per year). Annual fee is waived from the 2nd year onwards , if you spend ₹5 lakhs or more per year.

However you can get better rewards with other cards available in the marketplace

Apply Now

on Kotak Mahindra Bank website

Frequently Asked Questions

Can I access airport lounges with the Kotak White Credit Card?

Yes, you can access both international airport lounges (4 times a year) as well as domestic airport lounges (2 times per quarter) with the Kotak White Credit Card.

What is the PayWave feature, and how does it work?

The PayWave feature allows for secure and contactless payments, for transactions up to ₹5,000 without needing a PIN. You simply need to wave your credit card near the contactless reader, making transactions faster and more convenient.

What is the White Pass program, and how does it work?

The White Pass program allows cardholders to earn rewards based on spending milestones and redeem them for a curated collection of premium brands, travel and more. You get rewards by reaching specific spending milestones during the card’s anniversary year.

Is there an annual fee waiver for the Kotak White Credit Card?

Yes, annual fee is not charged from the second year onwards if you spend ₹5 lakhs or more in the previous year.

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