Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Kotak White Credit Card

    The Kotak White Credit Card by Kotak Mahindra Bank has been curated to balance your travel, rewards, and milestone benefits. Every swipe with this card will earn you reward points that can be redeemed later. The card comes at a joining fee of Rs.3,000.

    Key Benefits of the Kotak White Credit Card

    • Get Complimentary Priority Pass membership and you can enjoy VIP access to over 1,300 airport lounges across 160 cities and 148 countries.
    • Get 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000.
    • You can save railway surcharge of 1.8% for transactions on www.irtc.co.in

    Benefits of the Kotak White Credit Card

    Welcome gift benefits

    • When you spend Rs.30,000 within the first 60 days of your card being set up, you will get a voucher worth Rs.1,500

    Travel and airport lounge benefits

    • Get 8 free airport lounge access annually within India (2 visits per quarter).

    Priority pass access benefits

    • Get Complimentary Priority Pass membership and you can enjoy VIP access to over 1,300 airport lounges across 160 cities and 148 countries.
    • Get 4 free airport lounge access every year with the Priority Pass worth $99.

    Fuel surcharge benefits

    • Get 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000.
    • Get a maximum fuel waiver of Rs.3,500 in every calendar year.

    Railway Surcharge Waiver

    • You can save railway surcharge of 1.8% for transactions on www.irtc.co.in
    • Save 2.5% for transactions on Indian Railways Booking Counters.
    • The maximum surcharge waiver in a calendar year is Rs.500.

    Value Chart of the Kotak White Credit Card

    Assuming monthly spends of Rs.1 lakh.

    Items Value
    Joining Fee Rs.3,000
    Annual Fee Rs.3,000
    Value Builders
    Joining Gift Rs.1,500
    PP + 4 visits Rs.15,525
    Milestone Rs.27,000
    Value delivered per annum Rs.38,025

    Fees and Charges of the Kotak White Credit Card

    Particulars Amount
    Joining Fees Rs.3,000
    Annual Fees Rs.3,000
    Condition for waiver of Joining Fees NA
    Condition for waiver of Annual Fees - First Year Annual retail Spends of Rs.5 lakh
    Condition for waiver of Annual Fees - Second Year Annual retail Spends of Rs.5 lakh
    Addon card Fees Nil
    Interest Charges on outstanding Balances 3.1% (Annualized 37.2%)
    Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due) MAD can be 5% or 10% of TAD as decided by the Bank
    ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof Rs.300
    Late Payment Charges ("LPC")
    • Rs.100 for statement o/s less than or equal to Rs.500
    • Rs.500 for statement outstanding between Rs.501 to Rs.10,000
    • Rs.700 for statement outstanding greater than Rs.10,000
    Over Limit Charge Rs.500
    Cheque Bounce Charges Rs.500
    Foreign Currency Mark Up 3.5%
    Railway Booking Surcharge (on transaction amount) Waived
    Fuel Surcharge Waived
    Fee for Cash payment at Bank Rs.100
    Outstation Cheque Processing Fee Waived
    Reissue/ Replacement Card (per issuance) Rs.100
    Charge Slip Request Waived
    Machine Surcharge at ATMs Waived
    Balance Enquiry Charges at Non-Parent Bank ATM Waived
    Duplicate Statement Request Waived
    Web Pay Service Fee Waived
    Furnishing a copy of Credit Information Report (CIBIL) Rs.50

    Documents Required to Apply for the Kotak White Credit Card

    Income proof (For self-employed)
    • Recent ITR (Income Tax Returns)
    • Audited profit and loss statement or balance sheet
    Address proof (any one)
    • Passport
    • Telephone bill
    • Aadhaar card
    • Electricity bill
    • Rental agreement
    • Ration card
    Income proof (For salaried)
    • Recent salary slips
    • Salary certificate
    • Employment letter
    Proof of Identity (any one)
    • Voter's ID card
    • Ration Card
    • PAN Card
    • Passport
    • Driving licence
    • Aadhaar card

    Eligibility Criteria for Kotak White Credit Card

    • You should be in the age bracket of 21 years to 65 years.
    • The add-on card holder has to be 18 years of age and above.
    • Your net income should be Rs.25 lakh and above per year.
    • You should be a resident of India

    FAQs on Kotak White Credit Card

    1. How many airport lounge visits can I get in a quarter?

      You can get 2 visits per quarter.

    2. Can I redeem my reward points?

      Yes, you can redeem them through cash, airline tickets, movie tickets, mobile recharge, or branded merchandise.

    3. Can I earn reward points on my fuel expenses?

      No, you will not earn reward points on your fuel expenses, but you will get a fuel surcharge waiver. Get You can 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000. Get a maximum fuel waiver of Rs.3,500 in every calendar year.

    4. To get the railway waiver, should I book only through IRCTC?

      Yes, you should book your tickets via to get the railways waiver.

    5. Is there any EMI option with this credit card?

      Yes, you can convert any purchase above Rs.2,500 to easy EMIs.

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