SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for premium, milestones, and lounge.
Why it can work
It combines complimentary airport lounge access and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 5 lakh of annual spend. Fuel, rent, and insurance don't earn rewards. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many White Pass you earn and what they are worth.
Set your monthly spend on the left to see what this card earns.
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for airport lounge access
12 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns White Pass you can put toward flights, hotels, or transfer partners.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if your spend is low
The Rs 3,000 fee waives only at Rs 5 lakh/year, and some benefits can be spend-gated.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| All retail spends | No transactional rewards (Earns White Pass value on milestones only) |
Redemption
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Brand e-Vouchers | Premium brand e-vouchers via Kotak Rewards | 1 White Pass = Rs 1.0 |
| Travel bookings | Flight & hotel bookings via Kotak Rewards | 1 White Pass = Rs 1.0 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 8 complimentary domestic lounge visits per year (max 2 per quarter).
- 4 complimentary international lounge visits per year via Priority Pass.
Exclusions
Categories that earn no rewards on this card.
- Fuel spends
- Rent payments
- EMI transactions
- E-wallet loading transactions
- Insurance spends
- Government spends
- Education spends
- Cash advance / withdrawals
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: Rs 25,00,000
- Resident of India
Self-employed
- Age: 28 to 60 years
- Minimum Annual Income: Rs 25,0,000
- Resident of India
Compare before you decide
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