What is the annual fee for the Kotak Mahindra Bank White?

The annual fee for the Kotak Mahindra Bank White is ₹3,000. It can be waived on annual spends of ₹5,00,000.

Does the Kotak Mahindra Bank White offer airport lounge access?

Yes — the Kotak Mahindra Bank White offers 8 domestic per year lounge visits, 4 international per year lounge visits.

What rewards does the Kotak Mahindra Bank White earn?

It earns Reward Points on eligible spends.

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White — Kotak Mahindra Bank Credit Card | Card Manager

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Kotak

Premium

•••• •••• •••• 0000

White

VISA

White

Kotak Mahindra Bank • Visa• Premium

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Annual Fee

₹3,000

Base Reward Rate

—

Foreign Tx Fee

—

Tier

Premium

Joining Fee

₹3,000

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domestic—

8 per yearmedium

⚠️ Activation: ₹1,00,000 per quarter

2/qtr; ₹1L spend req (Jun 2025+).

international

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

—

Dining₹5,000/mo

—

Grocery₹8,000/mo

—

Fuel₹3,000/mo

—

Travel₹5,000/mo

—

Online Shopping₹8,000/mo

—

Utilities₹3,000/mo

—

Annual earnings

₹0

Blended 0.00% effective return

Monthly spend₹52,000

Monthly earnings+₹0

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

LTF for Privy League customers. Milestone-based White Pass (no traditional pts). From Apr 2026: education + transport excluded.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹0.50 depending on redemption (cashback → flights/transfer).
value range
Railway Surcharge Waiver: 0% — Maximum railway surcharge waiver is 500 INR per calendar year
high
Fuel Surcharge Waiver: 0% — Applicable on transactions between 500 INR and 3000 INR; maximum 3500 INR per calendar year
high

Priority Pass

Membership incl.

4 per yearmedium

⚠️ Activation: ₹1,00,000 per quarter

₹1L spend req (Jun 2025+).

Forex

No forex markup configured.

Travel

domestic via direct: 8 per year — needs ₹1,00,000/quarter to activate
8/yearmedium
international via Priority Pass: 4 per year — needs ₹1,00,000/quarter to activate
4/yearmedium

Payments

Joining fee: ₹3,000. Annual: ₹3,000.
₹3,000
Annual fee waived on spending ₹5,00,000 per year.
Spend ₹5,00,000
Milestone: spend ₹2,00,000/year → 2,000 White Pass voucher value on annual spends of 2 Lakhs (1% return)
+₹2,000 valuehigh
Milestone: spend ₹6,00,000/year → 6,000 White Pass voucher value on annual spends of 6 Lakhs (12,000 cumulative, 2% return)
+₹6,000 valuehigh
Milestone: spend ₹12,00,000/year → 8,000 White Pass voucher value on annual spends of 12 Lakhs (27,000 cumulative, 2.25% return)
+₹8,000 valuehigh
Milestone: spend ₹4,00,000/year → 4,000 White Pass voucher value on annual spends of 4 Lakhs (6,000 cumulative, 1.5% return)
+₹4,000 valuehigh
Milestone: spend ₹9,00,000/year → 7,000 White Pass voucher value on annual spends of 9 Lakhs (19,000 cumulative, 2.10% return)
+₹7,000 valuehigh