Kotak White Credit Card Review

India’s one of the premier banks Kotak Mahindra Bank introduced Kotak White Credit Card which is specially designed to keep their HNI clients need in mind. The Kotak credit card loaded with various offers such as an exclusive tie-up with premium brands, premier airport lounge access along with priority access in case of emergency, and fuel, railway waiver.

Eligibility Criteria:

  • Resident Type: Indian.
  • For salaried person:
    • Age: 28 to 65 yrs.
    • Income: Minimum ₹2,00,000 monthly.
  • For self-employed person:
    • Age: 28 to 65 yrs.
    • Income: ITR should be greater than ₹25 lakh annually.
  • Good CIBIL score (750 or more).

Required Documents:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
  • Salaried Person (any 1)
    • Salary Slip of last 3 months
    • ITR
  • Self-employed person
    • Income tax return of the last year
    • Proof of business


Joining Fee: Rs. 3000 + GST

Annual Fee: Rs. 3000 + GST (for spending more than Rs. 5 lakh in a year the annual charges will be waived off,  it is valid till the second year)


  • Cashback:

For spending more than Rs. 30,000 within the first 60 days of issuance of the cad, the user will get a voucher of Rs. 1500.

  • Reward Points:

By spending with this card, you can earn Kotak credit card reward points in a virtual wallet which is called WHITE Pass Value, these coins can be used as Kotak credit card payment in premium partner brands for enjoying services such as apparel, beauty, shopping, and grooming services, etc.

Spending Slab WHITE Pass Value (incremental) Cumulative WHITE Pass Value Rewards Rate
< 2 lakhs Rs. 0 Rs. 0 0%
2 – < 4 lakhs Rs. 2000 Rs. 2000 1%
4 – < 6 lakhs Rs. 4000 Rs. 6000 1.5%
6 – < 9 lakhs Rs. 6000 Rs. 12000 2%
9 – < 12 lakhs Rs. 7000 Rs. 19000 2.11%
12 lakhs & above Rs. 8000 Rs. 27000 2.25%


  • Airport Lounge Access:

The card user will get priority pass membership across 1300 airport lounges across the world.

4 complimentary international airport lounge access per year.

8 complimentary national airport lounge access per year.

  • Railway Surcharge Waiver:

The Kotak bank credit card user will get a 1.8% to 2.5%  surcharge waiver on railway ticketing, which can be allowed till Rs. 500 within a calendar year.

  • Fuel Surcharge Waiver:

Get 1% waiver till Rs. 3500 per card on fuel surcharge across all petrol pumps in India which is valid on transactions between Rs. 500 – Rs. 3000 for using Kotak Mahindra credit card payment option.

  • Foreign Exchange Rate:

It charges 3.5% as a foreign currency mark-up.

  • Insurance:

For any unauthorized transactions, you will get insurance up to Rs. 2.5 lakhs.

  • Other Benefit:

Kotak credit card balance transfer charges will be Rs.349 + GST on every Rs.10,000 along with a 3-month interest-free period on transferring all your outstanding amount from other credit cards to Kotak White Credit Card.


The Kotak Mahindra credit card charge annualized 37.2% charge on the outstanding balance.

  • Cash Withdrawal Charge:

Kotak credit card cash withdrawal charges will be Rs. 300 for every Rs. 10,000 withdrawal.

  • Charges on over-limit amount:

Rs. 500 is charged on over-limit transactions for using this Kotak Mahindra bank credit card.

Priority Help:

By sending ‘KRPIVY’to 5676788, the user will get a call back within 30 mins. between 9.30 AM to 6.30 PM.

Kotak Credit Card Customer Care:

1860-266-266 (Kotak credit card toll-free number)


Kotak Credit Card Customer Care Email:

[email protected]

100XGain Ratings:


Final Verdict:

Though this Kotak Credit Card offers tons of benefits and security for its customers due to the lack of entertainment, hotel, dining, golf access, and online shopping benefits it will lack behind from other premium cards such as HDFC Infinia credit card. Yet I’ll highly recommend this card as a first-time premium card. Do let us know your views on the view on the comment section and also share your questions regarding any credit card, we will be happy to help you.

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