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Kotak White Credit Card
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Quick facts
Kotak White Credit Card
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Kotak White Credit Card
Mid-tier Kotak card for dining and travel rewards.
Key Benefits
Realistic net value (moderate user)
₹80/year
Annual fee
₹3,000
Issuer headline rate: 2X reward points — see calculator for caps
After ₹3,000 fee & ₹630 forex. Based on ₹40,000/mo spend.
12,400 users matched · Verified 2026-06-25
Apply directly with the bank. We never call you. The bank may contact you on their application form.
We earn commission if approved — at no cost to you. Zero sales calls.
Our transparency commitment
✓ Reward caps shown in absolute ₹ — not just "5% cashback"
✓ Exclusions listed upfront — fuel, EMI, rent, wallet
✓ Point conversions with conservative ₹/point rates
Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.
All Benefits
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
- Lounge: Domestic lounge access — verify visit count on issuer site
- Travel: 2X reward points
- Other spends: 1X reward points
- Movie & dining offers
- Fuel surcharge waiver
- Annual fee waiver at ₹4,00,000 yearly spend
- Best for: Kotak relationship customers
- Best for: Dining & movies
Source: Kotak White Card T&Cs
Airport lounge, golf, concierge perks
Lounge access: Domestic lounge access — verify visit count on issuer site
UPI rewards (credit on UPI)
UPI credit not supportedVisa/Mastercard — UPI credit not supported.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Reward Structure
Source: Kotak White Card T&Cs
Travel
2X reward points
Other spends
1X reward points
Excluded categories (no rewards)
Fee waiver at
₹4,00,000 annual spend
Lounge access
Domestic lounge access — verify visit count on issuer site
What You Actually Earn (in ₹)
Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.
Gross rewards / year
₹710
Before fees & forex
Costs / year
₹630
Fee ₹0 + forex ₹630
Net value / year
₹80
0.02% effective return on spend
Points earned (all categories)
≈ 237 pts/mo (2,844 pts/yr) before caps · at ₹0.25/pt that's ~₹59.25/mo (~₹711/yr) in reward value
Category-wise breakdown
Travel & flights
Spend ₹5,000/mo · 2 pts per ₹150 spend
₹200/year
₹16.67/mo
₹5,000 → 67 pts/mo × ₹0.25/pt = ₹16.67/mo67 pts/mo (804 pts/yr) × ₹0.25/pt → ₹16.67/mo
All other eligible spends
Spend ₹25,500/mo · 1 pts per ₹150 spend
₹510/year
₹42.50/mo
₹25,500 → 170 pts/mo × ₹0.25/pt = ₹42.50/mo170 pts/mo (2,040 pts/yr) × ₹0.25/pt → ₹42.50/mo
Fee waiver likely: Your ₹4,80,000/yr spend exceeds the ₹4,00,000 waiver threshold.
Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.
Best for
- →Kotak relationship customers
- →Dining & movies
Points → INR Conversion Guide
Marketing says "10X points" — here's what that actually means in your pocket.
travel — 2 pts per ₹150 spend
You spend
₹10,000
You earn
133 pts
Worth ≈
₹33.33
@ ₹0.25/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.
Still deciding? Compare side-by-side or get a personalized shortlist.
Fees & Charges — Full Disclosure
All amounts in INR. Everything that can reduce your net value.
Joining fee
Charged in first year
₹3,000
Annual / renewal fee
Waived on ₹4,00,000 annual spend
₹3,000
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user net math
Eligibility Snapshot
Public criteria from Kotak White Card T&Cs. Bank makes final decision.
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
FAQ
How much can I actually earn with Kotak White Credit Card?+
At moderate spend (₹40,000/mo), gross rewards are about ₹710/year. After the ₹3,000 annual fee, net value is approximately ₹80/year. Use the calculator above to model your own spends.
What is the minimum income for Kotak White Credit Card?+
₹50,000/month for salaried applicants (indicative — bank decides).
What spends do NOT earn rewards?+
EMI, Fuel, Rent.
Does CardHungry pull my CIBIL score?+
No. We use public eligibility criteria only. The bank will check CIBIL when you apply.
How do I get the annual fee waived?+
Spend ₹4,00,000 in a calendar year to get the ₹3,000 renewal fee reversed.
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Compare all →Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.