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HomeCredit CardKotak White Credit score Card Evaluation – CardExpert

Kotak White Credit score Card Evaluation – CardExpert

Should you’re a premium banking buyer with Kotak Mahindra Financial institution and want to have a premium bank card, then Kotak White Credit score Card is perhaps a finest match for you. It comes with a easy reward system in contrast to different Kotak bank cards and few different advantages. Right here’s the detailed evaluation of the identical.


Kind Premium Credit score Card
Reward Fee 1% – 2.25%
Annual Price 3,000 INR+GST
Finest for Taj Vouchers & Journey redemptions
USP Milestone advantages

Whereas most Kotak Credit score Playing cards are bit difficult with its quarterly & half-yearly milestones, Kotak white bank card is barely higher and serves primarily to the premium clients of the Financial institution although anybody can get it.


Becoming a member of Price 3,000 INR+GST
Welcome Profit 1,500 INR value of White Cross worth
Renewal Price 3,000 INR+GST
Renewal Profit Nil
Renewal Price waiver On spending >5 lakhs

The becoming a member of payment and welcome profit is poorly designed for unknown causes.

The Financial institution may have added an equal welcome profit to cowl the becoming a member of payment or possibly a becoming a member of payment waiver standards however sadly it doesn’t include any.

Nonetheless, you may get it as a Lifetime Free Credit score Card in the event you’re a Kotak Privy League Buyer. The Free card is eligible just for Optima (10L Financial savings) and Insignia (1Cr NRV) variants below Kotak Privy program.

Should you’re holding Kotak Privy A/c with Prima Variant (2L Financial savings), then you might have to accept the Kotak Privy League Credit score Card.


Kotak White Credit Card Design
kotak white credit card - shining elements

Whereas the world goes for black playing cards for his or her premium bank card merchandise, Kotak thought: “Let’s go White!”.

Properly, that helped, because the very motive I obtained this card was for its design. It’s good to see a bank card in a color nearer to divine.

The cardboard seems fairly good in full white & clear entrance face with the identify & brand shining in silver.


The rewards on Kotak White Credit score Card is obtainable as “White Cross” worth – a brand new factors foreign money to the “white” vary of playing cards (White & White Reserve) that Kotak has lately give you.

Right here’s what you’ll earn by spending on Kotak Financial institution’s White Credit score Card.

Spend Milestone Vouchers Vouchers (cumulative) Financial savings (Cumulative)
2 Lakhs 2000 2000 1%
4 Lakhs 4000 6000 1.5%
6 Lakhs 6000 12000 2%
9 Lakhs 7000 19000 2.10%
12 Lakhs 8000 27000 2.25%

So ideally you would wish to spend at-least 6 Lakhs to get an honest achieve that’s consistent with the opposite premium bank cards within the nation.

That mentioned, the benefit is that you are able to do any type of spends to avail the milestone profit, which is kind of helpful for some.


  • Reward Vouchers @ 1:1
  • Flights / Motels @ 1:1

Aside from the posh present vouchers, you may as well use your White Cross worth for Lodge/Flight redemptions via the devoted redemption portal for white playing cards.

Some present vouchers are good, like: Taj Vouchers, Tanishq, Titan Eye+ and few extra. Right here’s the whole record of manufacturers in your reference.

Validity: The validity of those factors is bit difficult although. For ex, White Cross stability stays legitimate just for 3 months after card anniversary cycle. So it’s smart to devour as quickly as attainable.

This nevertheless isn’t a serious drawback so long as the above talked about e-Vouchers can be found for redemptions, because the vouchers comes with one other few months of validity.

Although, this t&c on validity for a premium bank card is undesirable for my part because it places a little bit of stress on our thoughts.

Airport Lounge Entry

Home Visa 2/Qtr
Worldwide Precedence Cross 4/12 months

It’s fairly attention-grabbing that Kotak Financial institution has talked about Dreamfolks as a substitute of Visa for home lounge entry. Although, to not get confused right here, as you possibly can proceed to make use of the bank card immediately for home lounge entry.

Different Advantages

Listed below are few different advantages on Kotak White Credit score Card:

  • Premium Help: Because it’s a premium bank card, you get a direct-line entry to the Kotak Privy help that’s accessible 24/7 – high quality of help is common although. Dial 18002666666 (or) SMS KPRIVY to 5676788 for a callback in 30 minutes.
  • Railway Surcharge Waiver: Most railway surcharge waiver allowed is 500 INR / calendar 12 months.
  • Gas Surcharge Waiver: Relevant on transactions between 500 INR and 3000 INR. Most gas surcharge waiver is 3500 INR / calendar 12 months.

My Expertise

Kotak bank white credit card welcome Kit

I lately upgraded to Kotak White bank card by initiating an improve request with the financial institution, which was processed inside every week. Right here’s my detailed hands-on expertise with Kotak White Card.


Kotak White Credit score Card is general a fairly good card contemplating Kotak’s standard commonplace however different premium bank cards in India, Kotak playing cards has to evolve a bit extra to compete effectively within the open market.

Having mentioned that, it does serve the wants of a typical premium buyer of the financial institution, which is mainly: lounge entry, premium help and respectable rewards.

Do you could have Kotak White Credit score Card? Be at liberty to share your experiences within the feedback beneath.



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