Kotak White Credit Card

Name: Kotak White Credit Card
Brand: Kotak Mahindra Bank

Kotak Mahindra Bank • Clean milestone voucher passes for luxury retail brands.

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The Kotak White card focuses on simplicity by granting "White Pass" vouchers at defined annual spend milestones starting from ₹2 Lakhs up to ₹12 Lakhs, redeemable on luxury brands.

Annual Fee (+ 18% GST)₹3,000 (₹3,540 incl. GST)

Fee Waiver₹5,00,000 annual retail spend

Joining PerkWhite Pass vouchers worth ₹1,500 upon spending ₹30,000 in 60 days

Primary RewardWhite Pass vouchers worth up to ₹27,000 on spending ₹12 Lakhs

Airport Lounge Access4 Domestic Lounge visits per year

Forex Markup3.5% + 18% GST

RuPay UPINo

Best ForCurated luxury retail shoppers who prefer direct gift vouchers over reward points

What We Like

Straightforward milestone rewards without point redemption formulas
White Pass redeemable across premium luxury brand partners
Complimentary lounge visits

Watch Out

Poor value if annual spend falls below the ₹2 Lakh milestone
High 3.5% foreign currency markup

MITC & Hidden Charges

Annual fee ₹3,000 + 18% GST. Fee waived on annual retail spends of ₹5,00,000.

Kotak White Credit Card FAQs

Where can I redeem Kotak White Pass vouchers?

White Pass vouchers can be redeemed for flights, luxury brand stores, and lifestyle vouchers through the Kotak mobile app.

Alternatives to Consider

American Express Platinum Travel

91/100

American Express

The milestone king: unmatched rewards when hitting ₹4 Lakh spend.

Annual Fee₹5,000 + GST

Reward48,000 MR points + ₹10,000 Taj Stay voucher on ₹4,00,000 spend

Lounge8 Domestic Lounges/year

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HDFC Regalia Gold

88/100

HDFC Bank

The upgraded gold standard of HDFC’s popular Regalia lineage.

Annual Fee₹2,500 + GST

Reward4 Reward Points per ₹150 + 5X on Marks & Spencer, Myntra, Nykaa

Lounge12 Domestic (Priority Pass for international upon 4 flights)

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