Line up your ₹5L before renewal.
Crossing ₹5L in the anniversary year waives the ₹3,000 fee — automatic for spenders at ₹41,667+/month. Watch your pace in months 10–12.
Premium
KOTAK MAHINDRA BANK · KOTAK WHITE CREDIT CARD
Kotak White Credit Card
ANNUAL FEE
₹3,000 waived at ₹5L spend
FIRST-YEAR NET VALUE
₹6,000 for a mid spender · travel
KOTAK MAHINDRA BANK Kotak White
Updated 17 Sep 2026 5 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is Kotak Mahindra Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 750+ Excellent band preferred
AGE 28 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹6,000 first-year net value · mid spender · travel
Category rewards ₹4,500
Welcome benefit· Welcome reward points ₹1,500
Annual fee − ₹3,000
Fee waiver (met)· 100% annual fee waiver on ₹5 lakh annual spend ₹3,000
Net first-year value ₹6,000
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.25% back on eligible spends 0.3 pts per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 0.3% back
Everything else (base) · 0.3%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time Kotak Mahindra Bank tweaks the program.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹3,000 · + 18% GST · one-time
Annual fee (year 2+) ₹3,000 · waived at ₹5L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
8 domestic + 4 international visits per year via Priority Pass. Primary cardholder.
Welcome voucher
₹1,500 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹5L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How Kotak White Credit Card has changed.
Last verified 17 Sep 2026.
- 1 Jun 2025 Introduction of 1% transaction fees on wallet loading, utility, and fuel spends above thresholds Increased costs for high spenders in these categories
- 2024 Kotak Bank suspended new credit card applications Card not available for new applicants currently
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: Kotak White Credit Card product page, Kotak White Credit Card fees and charges page, Kotak Credit Cards KFS PDF, Kotak White Credit Card eligibility page, kotak.com. Next scheduled review: 17 Mar 2027.