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Kotak Mahindra Bank
VISA
White

Kotak Mahindra Bank White

Kotak's premium, high-income-tier card that replaces points with a milestone-based 'White Pass' value-back structure.

premiumtravellifestyle

Last reviewed 13 July 2026

Fees

Joining fee

₹3,000

Annual fee

₹3,000

Waiver: Waived on annual retail spend of ₹5,00,000 or more

Eligibility

Min. CIBIL Score: 750+

Age: 28–60 yrs

Employment: salaried, self employed, business owner

Rewards

all other1% cashback(cap ₹27,000 cashback/yr)

Welcome benefits

  • • White Pass value of ₹1,500 on spending ₹30,000 within 60 days of card set-up

Perks

  • ✓Domestic lounge access: 8/yr2 complimentary visits per quarter
  • ✓International lounge access: 4/yrVia complimentary Priority Pass membership
  • ✓Fuel surcharge waiver: 1%
  • ✓Forex markup: 2%
  • ✓Concierge service
  • ✓Complimentary golf access at select courses (issuer programme)
  • ✓Visa PayWave contactless payments up to ₹5,000 without PIN
  • ✓EMI conversion available on purchases above ₹2,500
  • ✓1.8%–2.5% railway surcharge waiver, capped at ₹500/year
  • ✓White Pass is a milestone payout, not a flat cashback rate: ₹2,000 at ₹2L annual spend, ₹4,000 at ₹4L, ₹6,000 at ₹6L, ₹7,000 at ₹9L, ₹8,000 at ₹12L (cumulative total ₹27,000 at ₹12L spend); earnings are lumpy and step-based, not proportional to every rupee spent

Common questions

What is the annual fee on the Kotak Mahindra Bank White?
The joining fee is ₹3,000. The annual fee is ₹3,000. Waived on annual retail spend of ₹5,00,000 or more
What are the reward rates on the Kotak Mahindra Bank White?
Kotak Mahindra Bank White earns 1% cashback on all other spends.
Does the Kotak Mahindra Bank White offer airport lounge access?
Yes: 8 domestic lounge visits per year (2 complimentary visits per quarter) and 4 international lounge visits per year (Via complimentary Priority Pass membership).
Who is eligible for the Kotak Mahindra Bank White?
Applicants typically need a minimum annual income of ₹25,00,000, a CIBIL Score of 750+, a minimum age of 28, and must be salaried or self employed or business owner. Exact criteria are set by Kotak Mahindra Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

₹
1% cashback· cap ₹27,000 cashback/yr
Estimated annual value—
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