M16S / Kotak Mahindra Bank / Kotak White Credit Card
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Kotak White Credit Card
The Kotak White Credit Card costs Rs 3,000 a year, waived if you spend Rs 5,00,000 in a year. It earns No per-rupee earn. White Pass credited at annual spend milestones.. Accelerated earn: Milestones per anniversary year (cumulative): Rs 2L 2,000; 4L 6,000; 6L 12,000; 9L 19,000; 12L 27,000. The forex markup is 3.5%. Lounge visits in India: 8 per year (2 per quarter). Abroad: 4 per year via Priority Pass. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 3,000+ GST
- Fee waived at
- Rs 5,00,000annual spend
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 3.5%a month
What changed on this card
- Kotak White drops education and transport from White Pass spends, Apr 2026
From 1 Apr 2026 education and transportation categories are excluded from the milestone spends that earn White Pass on the Kotak White Credit Card. Source: Kotak Mahindra Bank, kotak.bank.in, read 28 Oct 2026
- Kotak White ties lounge access to Rs 1,00,000 quarterly spend, Apr 2026
From 1 Apr 2026 two complimentary airport lounge visits in a calendar quarter need spends of Rs 1,00,000 or more in the previous calendar quarter. Jan to Mar 2026 spends unlock the Apr to Jun 2026 quarter. Source: Kotak Mahindra Bank, images.kotak.bank.in, read 28 Oct 2026
- Kotak changes minimum amount due to 1% of purchases, Jun 2025
From 1 Jun 2025 Minimum Amount Due is 1% of purchase transactions and cash advances, plus 100% of EMI, fees and charges (including finance or interest charges), taxes and any over limit amount, plus any unpaid prior MAD. The earlier basis was 5% of purchases plus 5% of finance charges. Source: Kotak Mahindra Bank, kotak.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 3,000 |
|---|---|
| Annual fee | Rs 3,000 |
| Annual spend that waives the fee | Rs 5,00,000 |
| Fee notes | Rs 3,000 joining and annual; annual waived on Rs 5 lakh retail spend in a year. Free programme-linked variants exist; those do not get the joining gift. |
Rewards
| Welcome benefit | Rs 1,500 reward value on Rs 30,000 spend within 60 days (paid variant only) |
|---|---|
| Reward currency | White Pass (milestone value) |
| Base earn | No per-rupee earn. White Pass credited at annual spend milestones. |
| Point value | 1 point = Rs 1 on the Kotak Unbox voucher catalogue; Rs 0.70 as cashback |
| Accelerated earn | Milestones per anniversary year (cumulative): Rs 2L 2,000; 4L 6,000; 6L 12,000; 9L 19,000; 12L 27,000 |
| Caps | Maximum Rs 27,000 a year (at Rs 12 lakh). Nothing below Rs 2 lakh. |
| Spends that earn nothing | From 1 Apr 2026 transportation and education spends do not count towards milestones (by MCC). Not credited if more than one White / White Reserve card is held. |
| Points expiry | Balance must be claimed within 90 days after each anniversary cycle |
| Milestone benefits | See White Pass milestones |
| Reward notes | Stepwise return: 1.0% at exactly Rs 2L, 2.0% at 6L, 2.25% at 12L. base_return_pct null because there is no base rate. |
Travel and perks
| Domestic lounge | 8 per year (2 per quarter) |
|---|---|
| International lounge | 4 per year via Priority Pass |
| Lounge conditions | From 1 Apr 2026: spend Rs 1,00,000 or more in a calendar quarter to get 2 lounge visits in the next quarter. Primary only; guests and extra visits USD 35. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on Rs 500-7,500 txns, cap Rs 3,500 per year; railway surcharge waiver up to Rs 500 a year |
Charges and eligibility
| Interest per month | 3.5% |
|---|---|
| Late payment fee | By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300 |
| Cash advance fee | 2.5% min Rs 500 |
| Eligibility | Age 28-60; income Rs 25 lakh a year and above; select metros only |
| Fine-print notes | Rent payments cost 2% + GST on this card. Lounge access became spend-gated from April 2026. MITC surcharges: 1% on utility spend above Rs 75,000/cycle, fuel above Rs 50,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST. |
Questions
- What is the annual fee of the Kotak White Credit Card?
- Rs 3,000 a year, before GST. It is waived if you spend Rs 5,00,000 in a year.
- Does the Kotak White Credit Card give airport lounge access?
- Yes. In India: 8 per year (2 per quarter). Outside India: 4 per year via Priority Pass. Conditions: From 1 Apr 2026: spend Rs 1,00,000 or more in a calendar quarter to get 2 lounge visits in the next quarter. Primary only; guests and extra visits USD 35.
- What is the forex markup on the Kotak White Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Kotak White Credit Card?
- From 1 Apr 2026 transportation and education spends do not count towards milestones (by MCC). Not credited if more than one White / White Reserve card is held.