LifestylePremiumVisa

Kotak White Credit Card

Premium lifestyle rewards with lounge access and spend-based fee waiver

Annual fee₹3,000Waived on ₹5.0L spend

Rewards—

Forex markup3.5%

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Welcome benefits

worth ₹1,500

White Pass value of ₹1,500 on spending ₹30,000 within 60 days

Type: White Pass
Trigger: Spend ₹30,000 within 60 days

Rewards

Redemption value

vouchers: ₹1.00/ptcashback: ₹0.70/pt

• Every year on the anniversary date of the card, White Pass value will be reset to zero. White Pass balance remains valid for an additional 90 days after every anniversary cycle. For example: If your card is booked on 1-June-2025, the balance earned for the anniversary year 1-Jun-2025 to 31-May-2026 can be claimed till 29-August-2026.

Milestone benefits

Earn White Pass value on reaching spend milestones. Simple Milestone Structure: No need to calculate points. Earn direct White Pass value on crossing spend milestones. Earn White Pass value upto Rs. 27,000 every year on annual spends of Rs. 12 lacs. *Applicable on spends settled in a card anniversary year

Lounge access

Domestic

8visits / year

Max 2 per quarter

DreamFolks lounge programme →

International

Priority Pass

4complimentary visits

Membership value USD 99

Priority Pass lounge programme →

Fees & charges

Joining fee: ₹3,000 + GST
Annual / renewal fee: ₹3,000 + GST
Annual fee waiver: Annual retail spends of ₹500,000
Add-on card fee: Complimentary add-on card for your loved ones with the option to set spending limits as per their needs
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 48 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 0%, min ₹500
Payment dishonour: ₹500
Forex markup: 3.50%
DCC markup: 3.50%
Rent payment fee: 2% (w.e.f. Jul 2025)
Fuel surcharge: 1% waiver, on ₹500–₹7500 txns, max ₹400/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	₹0
₹101 – ₹500	₹100
₹501 – ₹1,000	₹500
₹1,001 – ₹5,000	₹600
₹5,001 – ₹10,000	₹750
₹10,001 – ₹25,000	₹900
₹25,001 – ₹50,000	₹1,100
Above ₹50,001	₹1,300

View official MITC →

Eligibility

Income (salaried): ₹25 lakh and above per annum
Age: 28–60 years

Features

✓ Contactless✓ Chip & PIN✓ International usage

Additional features

Railway surcharge waiver: Save 1.8% to 2.5% for a ticket booked on www.irctc.co.in or at the railways booking counter. Maximum waiver of ₹500 allowed in a calendar year.
Premium Redemption Catalog: Redeem White Pass balance against luxury brands

Card management via Kotak Mobile app.