Kotak White Credit Card

1. 1₹2,00,000 a year₹2,000 of value
2. 2₹4,00,000 a year₹4,000 of value
3. 3₹6,00,000 a year₹6,000 of value
4. 4₹9,00,000 a year₹7,000 of value
5. 5₹12,00,000 a year₹8,000 of value

Best for: High spenders who will clear the White Pass milestones, Frequent flyers who value Priority Pass lounges

Premium tier — a solid all-rounder for steady monthly spend.

Earns nothing on ordinary spend — the return here is in the milestone thresholds and perks, not a reward rate.

Frequent travellers benefit from the included airport lounge access.

• White Pass currency worth a real ₹1 on the catalogue
• 4 international lounge visits a year, with no spend condition attached
• ₹1,500 welcome voucher on early spend
• A premium card a rung below the ₹12,500 White Reserve

• White Pass rewards are milestone-gated — the top ~2.25% rate needs ₹12 lakh of annual spend
• Domestic lounge visits need ₹1 lakh of spend a quarter to unlock, from 1 April 2026
• Cashback redemption drops White Pass value to ₹0.70 each
• Standard ~3.5% forex markup (the pricier White Reserve gets 2%)
• ₹3,000 fee needs ₹5 lakh of annual spend to waive
• Rent is charged 2%, and wallet, fuel, utility and gaming spends carry 1% past monthly limits
• Education and transportation stopped counting toward White Pass on 1 April 2026
• Only one active White or White Reserve per customer — hold both and White Pass is not credited

Ways to convert what you earn into real value.

🎁 White Pass catalogue — vouchers, flights, hotels and experiences at 1 White Pass = ₹1

🎁 Cashback / statement credit at 1 White Pass = ₹0.70

🎁 Priority Pass lounge access

🎁 Balance resets to zero on the card anniversary, with a further 90 days to redeem what is left

The Kotak White presents a well-rounded premium proposition, bundling Priority Pass airport access, a ₹1,500 welcome voucher, and 1:1 catalogue redemption on White Pass currency. However, because earnings are purely milestone-contingent, the attractive ~2.25% return requires hitting ₹12 lakh in annual expenditure, whereas spending ₹5 lakh yields closer to ~1%. The card is well-tailored for consistent high spenders who can comfortably unlock upper milestone bands.

Sources & verification

Fees, reward rates, and benefits for the Kotak White Credit Card are taken from Kotak Mahindra Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 5 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Kotak Mahindra Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2022 · 4 changes · last change Apr 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

▼ Lounge Effective 1 Apr 2026

Lounge access spend-gated at ₹1,00,000 a quarter

2 complimentary airport lounge visits a quarter, unconditional → ₹1,00,000 spend in a calendar quarter unlocks 2 visits the next quarter

From 1 April 2026 Kotak made the White's complimentary airport lounge access conditional: you must spend ₹1,00,000 or more in a calendar quarter to unlock two complimentary visits in the following quarter — so a Jan–Mar quarter's spending determines Apr–Jun access. On a card whose lounge access was previously unconditional, a moderate spender can now lose it entirely.

Verification: Kotak Mahindra Bank ↗ · Confidence: High

▼ Milestone Effective 1 Apr 2026

Transportation & education dropped from White Pass milestone maths

Transportation and education spends counted toward White Pass milestones → Both categories excluded from the milestone calculation

Effective 1 April 2026, spends on transportation and education (identified by merchant category code) stopped counting toward the White Pass milestone benefit. It is the second narrowing of the milestone base in under a year, after the June-2025 revision removed rent, fuel, utilities, insurance, wallet, government and gaming — steadily raising the real spend needed to reach each White Pass tier.

Verification: Kotak Mahindra Bank ↗ · Confidence: High

▼ Milestone Observed 8 May 2025 · Effective 1 Jun 2025

Transaction fees introduced on rent, wallet, fuel, utility, education and gaming spends

No category transaction fees → Rent charged 2%; wallet, fuel, utility, education & gaming 1% past per-cycle limits

Kotak's June 2025 revision put transaction fees on categories the White had previously carried for free. Its Key Fact Statement now lists a 2% fee on rent payments (MCC 6513, charged from the first rupee), and 1% on wallet loading above ₹10,000 a statement cycle, fuel above ₹50,000, utility above ₹75,000, online skill-based gaming above ₹10,000, and on education paid through third-party apps. Corrected 2026-08-04: this event previously described the same revision as stripping those categories out of White Pass earning and the milestone calculation. That was wrong. Kotak's MCC annexure — the document cited below, and the one this event had always named as its source — lists 24 card variants in its reward and milestone exclusion table, and the Kotak White is not among them. The White appears only in the transaction-fee table. The genuine White Pass earning exclusions arrived later and separately, on 1 April 2026, and cover education and transportation only; they are recorded as their own event above.

Verification: Kotak Mahindra Bank ↗ · Confidence: High

◆ Launch Effective 2022

Kotak White in market — the mainstream White Pass card

White Pass milestone value from ₹2 lakh spend, up to ₹27,000 a year

Kotak's White sits a rung below the ₹12,500 metal White Reserve and runs on the same milestone-based White Pass currency rather than a per-rupee earn rate. For a ₹3,000 joining and annual fee (waived above ₹5 lakh of annual spend) it gave ₹1,500 of welcome White Pass value, milestone value unlocking from ₹2 lakh of spend and scaling to roughly ₹27,000 at ₹12 lakh, two domestic lounge visits a quarter and a Priority Pass with four international visits a year. Kotak published no dated launch notice; the earliest detailed review dates to July 2022, so the year is reconstructed. The fee, milestone and lounge figures in this event are the terms Kotak publishes today, carried back to the launch because no launch-day term sheet survives — read them as the earliest terms we can evidence, not as a verified 2022 position.

Verification: CardAdvisor Research · Confidence: Reconstructed

Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.

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Source: Kotak White Credit Card value timeline — CardAdvisor

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Source: Kotak White Credit Card value timeline , CardAdvisor (CC BY 4.0).

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Quick summary

Type Premium credit card

Reward rate 0%

Best for High spenders who will clear the White Pass milestones

Joining fee ₹3,000

Annual fee ₹3,000

Reviewed by

Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade

Last verified 5 Aug 2026

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