Kotak White Credit Card

Secure application on Kotak Mahindra Bank's website

Kotak White Credit Card
Annual Fee
₹3,000
Min Income
₹2,00,000
Regular APR
0%
Rating
4.5/5

Kotak White Credit Card

Shopping, Travel, Business • Card

Welcome Benefit

₹1,500 White Pass value on spends of ₹30,000 within 60 days.

Why We Chose It

Choose the Kotak White Credit Card if you are a frequent traveler and enjoy access to premium travel lounges, exclusive discounts on hotel bookings, and luxury brand rewards. With significant rewards and travel benefits, it is perfect for those who value convenience and luxury.

Pros

  • Access to 1,300+ VIP lounges in 148 countries via Priority Pass.
  • 4 complimentary international lounge passes annually.
  • Earn up to ₹27,000 in White Pass value annually with ₹12 lakh spend.
  • Earn ₹1,500 White Pass value with ₹30,000 spend within 60 days.
  • Discounts on hotel bookings and flight deals.
  • 1% fuel surcharge savings at petrol pumps.
  • Contactless payments with PayWave technology.
  • Ability to convert purchases above ₹2,500 into EMI.

Cons

  • High annual fee of ₹3,000 (waived with ₹5 lakh retail spend).
  • Cash advance fee of ₹300 per ₹10,000.
  • Eligibility requirements including high income and credit score.
  • Foreign transaction fee of 3.50%.