Enter the world of White Credit Card for exclusive benefits, unprecendented access to premium brands and more.

Experience the all-new Kotak Netbanking
Simpler, smarter & more intuitive than ever before
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Frequently Asked Questions
For Kotak Bank Customers
For Kotak811 Customers
Experience the all-new Kotak Netbanking Lite
Simpler, smarter & more intuitive than ever before. Now accessible on your mobile phone!
No need to calculate points. Earn direct White Pass value on crossing spend milestones
Earn White Pass value of ₹1,500* on spending ₹30,000 within 60 days from card set-up
Earn White Pass value upto Rs. 27,000 every year on annual spends of Rs. 12 lacs
Redeem White Pass balance against luxury brands
Annual Priority Pass membership worth $99
VIP access to 1300+ lounges across 148 countries, with Priority Pass
4 complimentary lounge access annually, powered by Priority Pass
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8 complimentary visits at select lounges in airport across India- (2 per quarter)
Click Here
Earn White Pass value on reaching spend milestones.
Get value reminders | Use vouchers online or offline
Spend milestone* |
White Pass value you earn |
Cumulative White Pass value |
₹2 lakh |
₹2,000 |
₹2,000 |
₹4 lakh |
₹4,000 |
₹6,000 |
₹6 lakh |
₹6,000 |
₹12,000 |
₹9 lakh |
₹7,000 |
₹19,000 |
₹12 lakh |
₹8,000 |
₹27,000 |
*Applicable on spends settled in a card anniversary year
These aren’t any ordinary brand vouchers.
Redeem White Pass value directly from our curated collection of premium brands.
The above list of brands is subject to change from time to time.
In addition to gift vouchers, you can also redeem White Pass on flights, hotels, philanthropy and curated travel expeditions by National Geographic.
Earn White Pass value on crossing every spend milestone
Claim those vouchers at your convenience.
All you need to do is
A maximum White Pass value of ₹27,000 can be accumulated in a year.
Every year on the anniversary date of the card , White Pass value will be reset to zero.
White Pass balance remains valid for an additional 90 days after every anniversary cycle.
For example: If your card is booked on 1-June-2025, the balance earned for the anniversary year 1-Jun-2025 to 31-May-2026 can be claimed till 29-August-2026.
|
Benefit |
Lounge list |
How to access |
International Lounge Access Powered by Priority Pass |
Priority Pass Membership worth USD 99 and 4 free visits, annually |
Present your Credit Card |
|
Domestic Lounge Access |
2 complimentary visits every quarter |
Present your Credit Card |
Complimentary visits are only applicable for primary card holder, visits by add-on or guest will be chargeable
International Lounge Access Powered by Priority Pass
Let us break it down for you.
Get value reminders | Use vouchers online or offline
What you pay |
|
Joining Fee/Annual Fee* |
₹3,000 |
What you get |
|
Joining Gift** |
₹1,500 |
Priority Pass + 4 International |
₹19,890 |
White Pass Value |
₹27,000 |
8 Domestic Airport lounge |
₹16,000 |
Total Value Delivered Per Year |
₹64,390 |
The above values are defined assuming monthly spends of ₹1 lakh. |
Eligibility criteria
To know about Programme Eligibility click here.
Just wave and pay with no PIN.
Enjoy the comfort of this contactless way to pay for transactions up to ₹5000, without a PIN.
*The requirement for PIN entry on the POS terminal at the merchant outlet is a function of country specific regulations and is subject to change. PIN input is not mandated for purchases below the permissible local limit.
Please note that the permissible transaction limit for usage of credit cards in contactless mode in India is mandated by RBI and may change from time to time based on the latest regulations. As per RBI notification on Additional Factor authentication for contactless transactions dated Dec 4, 2020, PIN input is not required on the POS terminal at the merchant outlet for contactless transactions up to a maximum value of ₹5,000 per transaction. Additionally, beyond this transaction limit (above ₹5,000), the card has to be processed in Chip & PIN mode and authentication with PIN is mandatory.
White Credit Card Features
Kotak White credit card is a new, exclusive, premium credit card experience. Unlike other credit cards, it doesn’t make you tally points but rewards your shopping with a White Pass which you can then redeem with world-class brands. Watch this video to learn more.
Fees & Other Parameters | White | |
---|---|---|
Joining Fees | ₹3,000 + GST | |
Annual Fees | ₹3,000 + GST | |
Condition for waiver of Annual Fees | Annual retail Spends of Rs 5 Lacs | |
Add on card Fees | Nil | |
Interest Charges on outstanding Balances | 3.5% (Annualized 42.0%) | |
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due) | Effective 1st June 2025, Minimum Amount Due is calculated as 1% of all purchase transactions & cash advances & 100% of EMI, Finance Charges, Fees/Charges & Tax as applicable, subject to a minimum of ₹100 else up to the TAD amount whichever is lower. It will reflect in your monthly statement in the summary section |
|
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof | 2.5% on advance amount, subject to minimum of ₹500 W.e.f. 1st June 2025, Maximum fee of ₹5000 | |
Late Payment Charges ("LPC") | Due as per last statement | LPC Charges |
<₹100 | ₹0 | |
₹100 – ₹500 | ₹100 | |
₹501 – ₹5,000 | ₹500 | |
₹5,001 – ₹10,000 | ₹600 | |
₹10,001 – ₹25,000 | ₹800 | |
₹25,001 – ₹50,000 | ₹1,000 | |
>₹50,000 | ₹1,200 | |
Over Limit Charges | ₹500 | |
Cheque Bounce Charges | 2% of bounce amount, subject to minimum of ₹500 | |
Standing Instruction Failure / Auto-debit return fee | 2.0% on bounce amount, subject to minimum of ₹450 | |
Foreign Currency Mark Up | 3.5% | |
Railway Booking Surcharge (1.8%/2.5% on transaction amount) | Waived, maximum waiver of ₹500 in a year | |
Fuel Surcharge (1% on transaction) | Waived on transactions between ₹500 and ₹7,500 with a maximum of up to ₹3,500 per calendar year | |
Fee for Cash payment at Bank | ₹100 | |
Outstation Cheque Processing Fee | Waived | |
Reissue/ Replacement Card (per issunace) | 100.0 | |
Charge Slip Request | Waived | |
Machine Surcharge at ATMs | Waived | |
Balance Enquiry Charges at Non Parent Bank ATM | Waived | |
Duplicate Statement Request | Waived | |
Furnishing a copy of Credit Information | ₹50 | |
Web Pay Service Fee | Waived | |
Please Note: Waiver of fees for Credit Cards linked to Programme is subject to maintaining eligibility of respective Programme. | ||
Programme refers to Kotak Bank and Group product propositions like Privy League Black / Privy League Platinum / Privy League Neon programme / Private Banking / Corporate Salary programme. For details on the programme eligibility and cards offered, please visit www.kotak.com | ||
In case, programme eligibility is not met or if customer is degraded from higher variant programme to lower variant, customer will not be given programme linked fee waiver and will be required to pay Joining/Annual fees | ||
GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card | ||
Please Note: Waiver of fees for Credit Cards linked to Programme is subject to maintaining eligibility of respective Programme.
Programme refers to Kotak Bank and Group product propositions like Privy League Black / Privy League Platinum / Privy League Neon programme / Private Banking / Corporate Salary programme. For details on the programme eligibility and cards offered, please visit www.kotak.com
In case, programme eligibility is not met or if customer is degraded from higher variant programme to lower variant, customer will not be given programme linked fee waiver and will be required to pay Joining/Annual fees
GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card
Discalimer :
Please note w.e.f 1st June, 2025 there are some changes to our product offerings, click here to know more
Rent Payments will be levied with fee of 2% of the Transaction Amount + GST for all transactions done on MCC 6513
The legendary Maroon 5, led by the one and only Adam Levine, is finally bringing their epic, chart-topping vibes to Mumbai on 3rd December 2024.
From their early 2000s breakout with Songs About Jane to chart-toppers like This Love, She Will Be Loved, and Sugar, Maroon 5 has kept audiences hooked with their signature blend of pop, rock, and funk. Known for energetic performances and relatable lyrics, they've won hearts worldwide, and now it’s India’s turn!
Tickets Exclusively on BookMyShow.
48-Hour exclusive pre-sale to book tickets
15% off up to a maximum of Rs. 4000 for White and White Reserve Credit Card Customers only.
Steps to reveal the offer
T&C Apply.
Bringing you and your kids together for a day full of giggles, songs and fun. Packed with interactive dialogues, charming songs and of course, plenty of muddy puddle jumping, this live show will become one of your magical memorable family moments.
Note: The tickets for our shows in Mumbai are still available on BookMyShow. Pre-sale and discount will not be applicable for these shows.
48-Hour exclusive pre-sale to book tickets
10% off up to Rs 1000, on a minimum ticket value of Rs 3,500 for White & White Reserve Credit Card customers only.
How to Avail the Offer: BookMyShow is the official ticketing partner for Peppa Pig’s Adventure
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