Kotak White Credit Card Review

The kotak white credit card is unmatched when it comes to powerful rewards and premium benefits. This card focuses on the needs of the high net worth individuals. It comes with a very powerful and unique reward scheme that has the potential to make your every transaction rewarding. There is also a complimentary kotak priority pass membership and fraud liability coverage on this card. To know more about the kotak white credit card benefits, make sure to check the details given below.

How does the kotak white credit card eligibility work?

  • Resident Type: Indian.
  • Kotak white card eligibility criteria for salaried person:
    • Age: 28 to 65 yrs.
    • Income: Minimum Rs. 2,00,000 monthly.
  • Kotak bank credit card eligibility criteria for self-employed person:
    • Age: 28 to 65 yrs.
    • Income: ITR should be greater than Rs. 25 lakh annually.
  • A good CIBIL score (750 or more) is mandatory to apply for this kotak white card.

You can apply for this card from the kotak mahindra bank credit card online application portal. As you submit your application, you will get a unique application id that can be used to track your kotak mahindra credit card application status from the status tracking page.

What documents are required to apply for the kotak mahindra white credit card?

  • 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 (Income Tax Return).
  • Self-employed person.
    • Income tax return of the last year.
    • Proof of business.

What are the kotak bank white credit card fees?

  • Kotak white card joining fee: Rs. 3000 + GST
  • Kotak white credit card annual charges: Rs. 3000 + GST (On spending more than Rs. 5 lakh in a year the kotak credit card annual fee will be waived off)

As per the new rules, all new Kotak white cards are delivered in an inactive state. And the users can activate them by generating a new credit card PIN. If you want to know how to activate kotak credit card for the first time, then feel free to visit our faq page to know more about the kotak credit card pin generation process.  

What are the kotak white credit card benefits?

  • Make a wonderful start with a huge welcome bonus:

On spending more than Rs. 30,000 within the first 60 days of your kotak credit card activation , the user will get a white pass value of Rs. 1500.

  • A very unique kotak credit card rewards scheme that will make your every transaction rewarding:

This card comes with a unique reward scheme, it offers kotak white pass values depending on your annual card usage, on reaching a particular spending milestone. These particular kotak bank credit card reward points are called white pass points, the points will be stored in a digital wallet. You can redeem kotak credit card points to make your monthly bill payments or to shop items of clothing, beauty products, get grooming services, etc. You can check your white card status from the kotak mahindra credit card app.

Spending Slab (within an anniversary year) 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%

    Travel more comfortably with complimentary priority pass membership:

This kotak white credit card features a complimentary priority pass membership (worth $99) which gives you access to over 1300+ airport lounges worldwide. You will get a maximum of 4 international lounge access and 8 domestic lounge access(max 2 per quarter) per year. Click here for the kotak credit card lounge access list.

  • Get big waivers of railway surcharges:

The kotak white credit card users will get a 1.8% to 2.5%  surcharge waiver on railway ticketing, One can get a maximum of Rs. 500 waiver in a year. 

  • Enjoy freedom from fuel surcharges:

If you use this card to purchase fuel, you will get a 1% waiver on the fuel surcharge. This fuel  offer on kotak credit card is applicable at any fuel station in India and on transactions between Rs. 500 – Rs. 3000. 

  • Complementary fraud liability coverage to support you:

This kotak mahindra bank card comes with fraud liability coverage of Rs. 2.5 lakh. So, if you notice something suspicious with your account or if your white kotak credit card gets lost or stolen, you just have to report it by calling the kotak credit card customer care number. You can also temporarily block your account from the Kotak white card online banking account.

  • Convenient kotak mahindra bank credit card payment options:

You can pay kotak credit card bill from your kotak net banking account, or from any credit card payment app like Cred, Paytm, Google pay, etc. But if you don’t have access to the above-stated online kotak credit card payment options, then visit our faq page to know more about the offline methods.

  • A very useful Kotak credit card balance transfer facility:

If you have more than one credit card, then you can transfer the outstanding of your other card to this Kotak white credit card , and you will get a 3-month interest-free period to repay the transferred amount. There will be a balance transfer charge of Rs. 349 + GST on every Rs.10,000 transfer. If you choose the EMI payment option then you can calculate the monthly installments from the kotak credit card emi calculator.

What are the kotak credit card charges?


Payable amount

Credit card cash advance fee Rs. 300 per Rs. 10,000 withdrawal (applicable once per withdrawal, also check your available kotak mahindra credit card limit before making a withdrawal)
Kotak mahindra bank credit card finance charge  The kotak credit card interest rate can go up to 3.1% monthly or 37.2% annually
Kotak mahindra credit card currency conversion charge 3.5% against the transaction amount (applicable once per transaction)
Kotak white card add-on card fee Free for a lifetime.

How to get in touch with the kotak credit card customer care department?

  • Call the kotak mahindra credit card customer care no: 1800-209-0000 (Toll-free) or 022-6600-6022
  • Write to the kotak credit card email id: customerfirst@kotak.com
  • You can also get 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.

100XGain Ratings:


Pros and cons of the kotak mahindra bank white credit card:



  • There is a very unique kotak rewards point scheme that can be very useful for high spenders.
  • You will get a complimentary kotak priority pass membership with this white credit card.
  • This kotak bank white card does not offer anything in the entertainment and shopping categories.
  • This kotak credit card is not a good option for those who are looking for a premium credit card.

Final Opinion:

Though this kotak white signature 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 other premium cards such as hdfc infinia credit card. Yet I’ll highly recommend this card as a first-time premium card. But if you want a more premium option then feel free to visit our top 10 premium credit card page. You can also compare the alternative card options given below.

Alternative cards of the kotak white credit card: 

  1. Bajaj finserv shop smart supercard (Best for offering cash backs)
  2. ICICI bank amazon credit card (Best for cashback and dining benefits)
  3. IndusInd bank pioneer heritage credit card (Best for offering movie, dining, and lounge access benefits)
  4. YES prosperity cashback credit card  (Best for offering cashback benefits)

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