Kotak White Credit Card

• • 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.

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

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

Income (salaried)

₹25 lakh and above per annum

Age

28–60 years

Card management via Kotak Mobile app.

• What is the annual fee for Kotak White Credit Card?
• How to apply for Kotak White Credit Card?
• What rewards does Kotak White Credit Card offer?
• What are the eligibility criteria for Kotak White Credit Card?
• Does Kotak White Credit Card offer airport lounge access?
• Is Kotak White Credit Card worth it?