Kotak Mahindra Bank
White Credit Card
SimplifyCards take:A good fit if you want a card built for premium, milestones, and lounge
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Best for airport lounge accessBest for
12 complimentary lounge visits a year across domestic and international
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for premium, milestones, and loungeBottom line
It combines complimentary airport lounge access and milestone rewards
Estimate your White Pass
Adjust your monthly spend to see the card's estimated annual value
How the card works
White Pass rates
| Category | Rate |
|---|---|
| All Retail Spends | No transactional rewards (Earns White Pass value on milestones only) |
Redemption
Statement balanceupto ₹ 0.7 per point
Vouchersupto ₹ 1 per point
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Brand e-Vouchers | Premium brand e-vouchers via Kotak Rewards | 1 White Pass = ₹1.0 |
| Travel bookings | Flight & hotel bookings via Kotak Rewards | 1 White Pass = ₹1.0 |
Important conditions
1
Domestic lounge8 visits per year
- 8 complimentary domestic lounge visits per year (max 2 per quarter)
2
International lounge4 visits per year
- 4 complimentary international lounge visits per year via Priority Pass
3
MilestoneEarn ₹2,000 White Pass value on spending ₹2 Lakhs
4
MilestoneEarn ₹4,000 White Pass value on spending ₹4 Lakhs
5
MilestoneEarn ₹6,000 White Pass value on spending ₹6 Lakhs
6
MilestoneEarn ₹7,000 White Pass value on spending ₹9 Lakhs
7
MilestoneEarn ₹8,000 White Pass value on spending ₹12 Lakhs
8
Fee waiverRenewal fee waived on annual spends of ₹ 5 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- ₹1,500 White Pass welcome voucher on spending ₹30,000 within 60 days of card setup
Additional benefits
- 1% fuel surcharge waiver across petrol pumps in India
- Railway surcharge waiver on IRCTC and railway booking counter transactions
Additional details
- White Pass value can be redeemed at a 1:1 ratio (1 White Pass = ₹1.0) on the Kotak Rewards portal for brand vouchers, flights, and hotel bookings
- White Pass value can also be redeemed as statement credit to pay off the card bill at a rate of 1 White Pass = ₹0.70
- White Pass balance is valid for 15 months from the date of credit, and resets annually with a 90-day grace period post-anniversary
- Effective April 1, 2026, spends on education and transportation do not count toward milestone calculations
Eligibility
Check this before you apply
Salaried
- Age: 28 to 60 years
- Minimum Annual Income: ₹25,00,000
- Resident of India
Self-employed
- Age: 28 to 60 years
- Minimum Annual Income: ₹25,0,000
- Resident of India
Exclusions
Spending that does not earn white pass
- Fuel spends
- Rent payments
- EMI transactions
- E-wallet loading transactions
- Insurance spends
- Government spends
- Education spends
- Cash advance / withdrawals
Compare before you decide
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