Kotak White Credit Card Review

Kotak White Credit Card Review

Kotak White Credit Card Review

If you’re a premium banking customer with Kotak Mahindra Bank and wish to have a premium credit card, then Kotak White Credit Card might be a best fit for you. It comes with a simple reward system unlike other Kotak credit cards and few other benefits. Here’s the detailed review of the same.

Table of Contents


TypePremium Credit Card
Reward Rate1% – 2.25%
Annual Fee3,000 INR+GST
Best forTaj Vouchers & Travel redemptions
USPMilestone benefits

While most Kotak Credit Cards are bit complicated with its quarterly & half-yearly milestones, Kotak white credit card is slightly better and serves primarily to the premium customers of the Bank even though anyone can get it.


Joining Fee3,000 INR+GST
Welcome Benefit1,500 INR worth of White Pass value
Renewal Fee3,000 INR+GST
Renewal BenefitNil
Renewal Fee waiverOn spending >5 lakhs

The joining fee and welcome benefit is poorly designed for unknown reasons.

The Bank could have added an equivalent welcome benefit to cover the joining fee or maybe a joining fee waiver criteria but unfortunately it doesn’t come with any.

However, you can get it as a Lifetime Free Credit Card if you’re a Kotak Privy League Customer. The Free card is eligible only for Optima (10L Savings) and Insignia (1Cr NRV) variants under Kotak Privy program.

If you’re holding Kotak Privy A/c with Prima Variant (2L Savings), then you may have to settle for the Kotak Privy League Credit Card.


Kotak White Credit Card Designkotak white credit card - shining elements

While the world is going for black cards for their premium credit card products, Kotak thought: “Let’s go White!”.

Well, that helped, as the very reason I got this card was for its design. It’s good to see a credit card in a colour closer to divine.

The card looks pretty good in full white & clean front face with the name & logo shining in silver.


The rewards on Kotak White Credit Card is offered as “White Pass” value – a new points currency to the “white” range of cards (White & White Reserve) that Kotak has recently come up with.

Here’s what you’ll earn by spending on Kotak Bank’s White Credit Card.

Spend MilestoneVouchersVouchers (cumulative)Savings (Cumulative)
2 Lakhs200020001%
4 Lakhs400060001.5%
6 Lakhs6000120002%
9 Lakhs7000190002.10%
12 Lakhs8000270002.25%

So ideally you would need to spend at-least 6 Lakhs to get a decent gain that is in line with the other premium credit cards in the country.

That said, the advantage is that you can do any kind of spends to avail the milestone benefit, which is quite useful for some.


  • Gift Vouchers @ 1:1
  • Flights / Hotels @ 1:1

Apart from the luxury gift vouchers, Want to learn about Finance, Investing, and much more!, Checkout our partner blogs.