Kotak White Credit Card: Fees, Rewards & Benefits

Rewards card with lounge access

Vyaya Team · Aug 2026

5 min read

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Value Score

9.0 / 10

Annual Fee

₹3,000

Best For

High annual spender, Frequent traveller

Network

Visa

Expert Verdict

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.

Kotak White credit card by Kotak Mahindra Bank - Visa network

REWARD SUMMARY

1% Base Rewards
Rewards card with lounge access

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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.

What we like

+Excellent lounge access: 8 domestic plus 4 international (Priority Pass) visits per year, with membership to 1,300+ lounges across 148 countries

+Tiered White Pass milestones accumulate up to Rs.27,000 in value per year (e.g. Rs.8,000 at Rs.12 lakh spend), with White Pass valued at a full 1.0/point

+Rs.3,000 annual fee is waived on annual spends of Rs.5,00,000

+Fuel surcharge waiver up to Rs.3,500/year and railway surcharge waiver up to Rs.500/year

+Zero joining cost is offset by milestone value once spends ramp up

What we don't

–Zero base earn rate (0 points per Rs.100); all reward value comes from spend-based milestones, so low spenders earn nothing

–Milestones require very high spends (Rs.12 lakh/year to reach the top Rs.8,000 White Pass tier)

–Rent attracts a 2% fee and contributes no meaningful reward value

–Rs.25 lakh minimum income required, and cash advances earn nothing

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

High annual spender

Those 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.

Frequent traveller

Users who value Priority Pass access to 1,300+ international lounges and prefer milestone value over flat earning.

Probably not for

Skip

–

Low or moderate spender

With a zero base rate, anyone below the milestone thresholds earns no rewards and won't waive the fee.

–

Everyday-rewards seeker

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.

Quick Calculator

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Where

Amount

₹

Flat 1% on all spends

Welcome Offer

1,500 White Pass

Earn White Pass value of INR 1,500 on spending INR 30,000 within 60 days from card set-up.

Value: ₹1,500

Milestone Benefits

Spend ₹2,00,000Value: ₹2,000

White Pass value of INR 2,000 on reaching cumulative annual spends of INR 2,00,000.

Spend ₹4,00,000Value: ₹4,000

Cumulative White Pass value of INR 4,000 on reaching annual spends of INR 4,00,000.

Spend ₹6,00,000Value: ₹6,000

Cumulative White Pass value of INR 6,000 on reaching annual spends of INR 6,00,000.

Spend ₹9,00,000Value: ₹7,000

Cumulative White Pass value of INR 7,000 on reaching annual spends of INR 9,00,000.

Spend ₹12,00,000Value: ₹8,000

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.

Spend ₹5,00,000

Annual/renewal fee of INR 3,000 waived on annual retail spends of INR 5,00,000.

Fees & Charges

Joining fee₹3,000

Annual fee₹3,000

Fee waiverSpend > ₹5,00,000

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

3 data-backed answers from our card database

What is the annual fee of the Kotak White?+

The Kotak White has an annual fee of ₹3,000, waived on annual spends of ₹500,000.

What rewards does the Kotak White offer?+

It earns White Pass on spends.

Does the Kotak White offer airport lounge access?+

Yes, it includes complimentary airport lounge access. See the benefits section for visit limits.

Ready to apply?

₹3,000 annual fee. Apply on the Kotak Mahindra Bank website.

Apply on Kotak Mahindra Bank →

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