Kotak White Credit Card: Benefits & Apply

Table of Contents

Summary

The Kotak White Credit Card is a premium lifestyle credit card designed for high-spending individuals who want to enjoy exclusive rewards and luxury benefits. The card comes with an elegant white design and is centered around the White Pass Rewards Program, which allows users to earn and redeem points for premium experiences.

You earn 1 White Pass point for every ₹100 spent, and milestone rewards begin at spending ₹2 lahks per year with ₹1,500 worth of White Pass value, all the way up to ₹9,000 value when you spend ₹8 lahks a year. The points can be used to redeem top brands, travel bookings, and lifestyle benefits, making it perfect for high-end elites who enjoy perked-up experiences.

Besides, it has 4 free domestic airport lounge visits per quarter. Free international lounge access is also available via Priority Pass but to the primary cardholder only. If you are a frequent traveler, this allows you to pass through airport experiences with much comfort.

Introduction

In today’s time, the use of credit cards has become an important part of our daily life. It not only helps us in making convenient payments but also provides many great benefits and offers. In this direction, Kotak Mahindra Bank has introduced the White Credit Card for its customers, which is specially designed for those who want to enjoy high-class facilities and privileges.

The biggest advantage of the White Credit Card is that it gives customers a chance to earn “White Pass” points on every purchase, which can later be redeemed for various rewards. Apart from this, cardholders also get travel-related benefits, such as airport lounge access and emergency assistance, which makes it an excellent option for travelers.

The eligibility of the credit card is also a bit special compared to other credit cards. It is a better option, especially for high-income individuals who want to avail higher credit limits and special facilities. For this, there are some age and income-related conditions, which need to be fulfilled.

In today’s article, we will discuss in detail about Kotak White Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of White Credit Card in this article and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not face any problems later.

What is the Kotak White Credit Card?

The credit card is a premium credit card offered by Kotak Mahindra Bank. The White credit card is specially designed for those who want to enjoy high-end facilities and rewards. With the Kotak White credit card, you can earn reward points on your everyday purchases, which can be later redeemed for various offers and products.

Apart from this, White credit card holders also get exclusive travel benefits such as airport lounge access, cashback offers, and emergency assistance. Kotak White credit card not only fulfills your financial needs but also provides you with a premium experience.

How is the Kotak White Credit Card designed?

The Credit Card is presented to premium customers who desire exclusive benefits and rewards. This card has a clean and elegant look with a minimalist white design. It comes with a unique White Pass Rewards Program, whereby users earn White Pass points based on their spending.

These points are usable for luxury brands, travel, and premium experiences. It also has features like lounge access at the airport, surcharges on fuel waivers, and benefits at milestones. This card is suitable for the high-spending person who has a reward and lifestyle rewards/ privileges.

What are the benefits of the Kotak White Credit Card?

Here is what you will get:

1. White Pass Rewards

For every ₹100 spent, you earn 1 White Pass point.

Milestone Rewards: When you spend ₹2 lakh in a year, you get the value of ₹1,500 in White Pass.

You will get up to ₹9,000 worth of White Pass on spending ₹8 lakh in a year.

The points can be redeemed for luxury brands, travel, and premium experiences.

2. Airport Lounge Access

You get 4 free domestic lounge visits per quarter.

Complimentary international lounge access via Priority Pass (only for primary cardholders).

3. Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹500 – ₹3,000 at fuel stations in India.

Maximum waiver: ₹3,500 per year.

4. Dining & Lifestyle Benefits

Discounts on dining, travel, and entertainment at partner merchants.

5. Annual Fee Waiver

An annual fee of ₹3,000 is waived on spending ₹5 lakh in a year.

What are the fees for the Kotak White Credit Card?

Here is a simple Credit Card fee breakup.

Joining Fee	₹2,999 = GST per year. This will be waived if you spend 15,00,000 or more in a year.
Annual Fee	₹2,999 = GST per year. This will be waived if you spend 5,00,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (48% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Kotak White Credit Card?

The following are the primary requirements:

You must be between 18 and 70 years old to apply for the White Credit Card.

The income requirement differs according to your employment status:

Self-Employed Professionals: A minimum Annual income of Rs 15 lakhs usually does the job.

A secured income ensures regular, timely payments on the credit card bill. Any amount above it increases the probability of approval.

Your credit score plays a role in the selection process. It is a tendency for Kotak Bank to favor borrowers with a better credit score usually above 750.

You must be an Indian resident and have valid address proof within the country.

A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Kotak White Credit Card?

The documents that you will have to submit to Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last moment or self-employed persons
Photograph	The latest passport-sized photograph

Where can the Kotak White Credit Card be used?

Here is the list of places where you can use it:

With the White Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your White Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The Kotak White Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Kotak White Credit Card?

The credit amount you can spend is what you are provided with a White Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for a Kotak White Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of the Kotak Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by Kotak Bank; for instance, you can choose the White Credit Card.

Just hover your cursor on the Kotak White Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after submitting it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest Kotak Bank branch to apply for the White Credit Card.

Request for the credit card application form for the White Credit Card. They will provide you with the form and proceed accordingly.

Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the White Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Kotak Bank Card website, or mobile app or by calling their customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Kotak White Credit Card in 2025 be right?

Yes, getting a Kotak White Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.

Kotak Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

This is a very good financial product that lets you spend, along with providing you with a variety of benefits and rewards. White Credit Card offers you reward points for every purchase, which you can redeem for a variety of offers and gifts. White Credit Card is also particularly beneficial for travelers, as it provides airport lounge access, travel insurance, and emergency assistance.

Eligibility for the White Credit Card is also easy, it’s for high-income individuals requiring a large credit limit. If you are looking for a deluxe feel and aspire to earn rewards and cashback along with other benefits on spending, then the Kotak White Credit Card can be the best for you.

The application process is also simple and hassle-free. You can apply by visiting the official website of Kotak Mahindra Bank or visiting the nearest bank branch. After gathering all the required documents and information, you can start applying.