SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for premium, travel, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 2% forex markup, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 10 lakh of annual spend. Fuel, rent, and insurance don't earn rewards.
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
Unlimited complimentary lounge visits a year across domestic and international.
Best for international spends
A low 2% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns White Pass you can put toward flights, hotels, or transfer partners.
Avoid if your spend is low
The Rs 12,500 fee waives only at Rs 10 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.
- Unlimited domestic lounge access for primary and add-on cardholders.
- Unlimited international lounge access via Priority Pass for primary and add-on cardholders.
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
- Complimentary Club Marriott membership (worth Rs 15,000)
Renewal benefits
- Complimentary Club Marriott membership (worth Rs 15,000) on card renewal
Additional benefits
- Metal credit card format
- 2 Free golf rounds each month at select courses worldwide for the primary cardholder
- Luxury lifestyle concierge and assistance services
- 1% fuel surcharge waiver on transactions between ₹400 and ₹7,500 (max ₹4,500 per calendar year)
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.
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 65 years
- Resident of India
- Subject to Kotak Mahindra Bank premium segment criteria
Self-employed
- Age: 21 to 65 years
- Resident of India
- Subject to Kotak Mahindra Bank premium segment criteria
Compare before you decide
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