Kotak White Credit Card Review
Rewards card with lounge access
The Kotak White has a ₹3,000 annual fee + GST, waived on ₹5,00,000 annual spend. It earns 0% back on regular spends, with 8 domestic + 4 international airport lounge visits a year. Best for: high spenders chasing milestone value and lounges — our verdict: consider.
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The Kotak White is a milestone-driven premium card with strong 8+4 lounge access and up to Rs.27,000 in annual White Pass value, with its Rs.3,000 fee waived at Rs.5 lakh spend. Its zero base earn rate means value hinges entirely on reaching high spend thresholds, making it suitable only for big spenders.
Rewards card with lounge access
The Bottom Line
The Kotak White is built for high annual spender and frequent traveller. With a ₹3,000 annual fee that is waived on ₹5,00,000 yearly spend, it offers 1,500 bonus points and a welcome benefit worth ₹1,500. It makes the most sense if your spending matches high annual spender and frequent traveller.
It earns a base reward rate of 1% and stacks best when your spending lines up with High annual spender, Frequent traveller. The renewal fee gets easier to justify once you can hit ₹5,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealThose spending Rs.5-12 lakh/year who can unlock the full White Pass milestones (up to Rs.27,000) and waive the Rs.3,000 fee while using 8+4 lounges.
Users who value Priority Pass access to 1,300+ international lounges and prefer milestone value over flat earning.
Probably not for
SkipWith a zero base rate, anyone below the milestone thresholds earns no rewards and won't waive the fee.
Those wanting consistent earn-as-you-spend points will dislike the all-or-nothing milestone structure.
Is It Worth It For You?
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Reward Rates
Kotak White offers 1% basic reward rate.
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Welcome Offer
Earn White Pass value of INR 1,500 on spending INR 30,000 within 60 days from card set-up.
Milestone Benefits
White Pass value of INR 2,000 on reaching cumulative annual spends of INR 2,00,000.
Cumulative White Pass value of INR 4,000 on reaching annual spends of INR 4,00,000.
Cumulative White Pass value of INR 6,000 on reaching annual spends of INR 6,00,000.
Cumulative White Pass value of INR 7,000 on reaching annual spends of INR 9,00,000.
Cumulative White Pass value of INR 8,000 on reaching annual spends of INR 12,00,000. Maximum White Pass value of INR 27,000 can be accumulated in a year.
Annual/renewal fee of INR 3,000 waived on annual retail spends of INR 5,00,000.
Fees & Charges
Eligibility
- Min Income: ₹25 Lakhs
- Age 28-65, annual income Rs 25 lakh+; select cities only; annual fee Rs 3,000 waived on Rs 5 lakh spend; not accepting new applications.
Exclusions & Terms
Cash Advances
- Cash withdrawals do not earn rewards / White Pass value.
Frequently Asked Questions
8 data-backed answers from our card database
Ready to apply?
₹3,000 annual fee. Apply on the Kotak Mahindra Bank website.
Apply on Kotak Mahindra Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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