Credit Card Compare

Kotak White Credit Card

Data last updated 25 October 2026
42.00%
Purchase rate
₹3,000
Annual fee
1,500
Bonus points

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Application

CardIQ

19Basic

Basic

Overall score, out of 100 · How this works

  • Airport lounge22
  • Rewards13
  • Sign-up bonus9
  • Travel35

Customer reviews

No reviews yet. Be the first to review the Kotak White Credit Card.

Pros & cons

What's good

  • 1,500 bonus points to start, worth around ₹380 at our ₹0.25-per-point valuation.
  • The 42% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).
  • Complimentary airport lounge access (12 visits a year).
  • Up to 51 interest-free days on purchases, longer than most cards.
  • No fee to add an additional cardholder.

Worth noting

  • ₹3,000 + GST (GST excluded from stated amount). Joining fee waiver: NA. Annual fee waiver: Annual retail spends of ₹500,000. Complimentary add-on card. The ₹3,000 annual fee is still toward the top of the market (the median is ₹749).
  • Requires a minimum income of ₹25,00,000 a year.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Signature
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Kotak White Pass / Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
28 years old
Minimum income
₹25,00,000 p.a.
Residency
Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
42.00% p.a.
Purchases
42.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹3,000 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Up to 51 days on purchases
Minimum repayment
Minimum Amount Due is calculated as 1% of all purchase transactions & cash advances & 100% of EMI, Finance Charges, Fees/Charges & Tax as applicable, subject to a minimum of ₹100 else up to the TAD amount whichever is lower.

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Earn rate
—
Points expiry
Reward point balance remains valid for an additional 90 days after every anniversary cycle.

Sign-up bonus

Bonus spend required
Spend ₹30,000 within 60 days from card set-up
Sign-up bonus
1,500 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days51 daysTied for best (1st of 73 cards)
Purchase rate42.00%Top 10% (4th of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Sign-up bonus₹375Not as good as most cards (27th of 37 cards)
Annual fee₹3,000 a yearNot as good as most cards (70th of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Kotak Mahindra Bank