Kotak Bank White Credit Card
Issued by Kotak Bank · Terms last verified 26 Oct 2026
Fees
- Joining fee
-
Joining fee of ₹3,000 plus applicable GST.
- Welcome benefit of Reward Point value ₹1,500 on spending ₹30,000 within 60 days from card set-up.
- Renewal fee
- Annual fee of ₹3,000 plus applicable GST, waived on annual retail spends of ₹5,00,000. Waived when yearly spend is at least ₹5,00,000.
Surcharge waivers
- Fuel surcharge waiver — Fuel surcharge waiver of 1% across all petrol pumps in India on transactions between ₹500 and ₹7,500, up to ₹3,500 in a calendar year. Capped at Up to ₹3,500 per year. Waived when transaction amount is at least ₹500, transaction amount is up to ₹7,500.
- Trains surcharge waiver — Railway booking surcharge waiver for tickets booked on www.irctc.co.in or at railway booking counters; maximum waiver ₹500 in an anniversary year. No Reward Points accrue on transactions where railway surcharge waiver is given. Capped at Up to ₹500 per year.
Redeeming rewards
- Rewards catalogue — ₹1 each
- Statement credit — ₹0.70 each
Benefits
- Fuel Waiver
- 1% fuel surcharge waiver across petrol pumps in India.
- Airport Lounge
- 8 complimentary domestic airport lounge visits per year, limited to 2 per quarter, for the primary cardholder only.
- Railway Lounge
- Railway booking surcharge waiver on IRCTC and railway booking counters is available, subject to issuer terms.
- Welcome Benefit
- Welcome benefit of Reward Point value ₹1,500 on spending ₹30,000 within 60 days from card set-up.
- Travel Insurance
- Priority Pass based global VIP lounge access across 1300+ lounges in 148 countries is described by the issuer.
- Milestone Benefits
- Direct Reward Point value is earned on crossing annual spend milestones in the card anniversary year, up to ₹27,000 reward point value per year.
- Priority Pass Membership
- Priority Pass membership worth USD 99 with 4 complimentary international lounge visits annually.
Eligibility
-
Primary cardholder age 28 to 60 years, located in listed cities, with annual income of ₹25 lakh and above.
- Age Years: 28 to 60
- City Of Residence: 11 cities
- Annual Gross Income: At least ₹25,00,000
Sources
Everything above is extracted from the following issuer documents. Where a figure here and the issuer's page disagree, the issuer's page is authoritative.
- Features — Issuer page, retrieved 2026-10-26 (sha256 77626388…)
- list-of-mccs-with-respect-to-revised-fees-and-rewards_june_01_2025.pdf — Terms PDF, retrieved 2026-10-26 (sha256 7e38abac…)
- english-rcas.pdf — Terms PDF, retrieved 2026-10-26 (sha256 c2d79e30…)