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Kotak Mahindra BankWhite

Kotak Mahindra Bank ·

White

Joining ₹3,000 · Annual ₹3,000 · Waived on ₹5 lakh of retail spends in the year

Earns White Pass value · assumed 1 ₹/point. 1 White Pass = ₹1 on the curated luxury catalogue, or ₹0.70 taken as cashback

Verified 13 Aug 2026
Forex markup3.5%
Fuel surcharge1% waived on transactions between ₹500 and ₹5,000
Domestic lounge8 a year. 2 per quarter at domestic lounges
International lounge4 a year. Via the included Priority Pass membership
EMI₹249 per conversion at a merchant, up to 3.5% of the amount converting a billed balance processing fee · A converted purchase stops earning rewards · Kotak's own two pages disagree here. The Instant EMI terms state a one time fee of ₹249 per conversion while the product page claims no processing fee at all, so expect ₹249 and check the charge slip. Converting a bill afterwards costs up to 3.5% of the amount. Gold cannot be converted. · EMI transactions are excluded under Kotak's MITC

Milestones

  • ◆ Spend ₹2,00,000 per year → ₹2,000 of White Pass value at ₹2 lakh Worth ₹2,000
  • ◆ Spend ₹4,00,000 per year → ₹4,000 more at ₹4 lakh Worth ₹4,000
  • ◆ Spend ₹6,00,000 per year → ₹6,000 more at ₹6 lakh Worth ₹6,000
  • ◆ Spend ₹9,00,000 per year → ₹7,000 more at ₹9 lakh Worth ₹7,000
  • ◆ Spend ₹12,00,000 per year → ₹8,000 more at ₹12 lakh, ₹27,000 in total for the year Worth ₹8,000

Return by category

CategoryReturnNotes
Online spend0%Base rate
Amazon0%Base rate
Flipkart0%Base rate
Subscriptions & OTT0%Base rate
Offline spend0%Base rate
UPI spending0%Kotak markets no RuPay variant of White, so treat UPI as unavailable
Dining0%Base rate
Swiggy0%Base rate
Zomato0%Base rate
Groceries0%Base rate
Quick commerce0%Base rate
Swiggy Instamart0%Base rate
Blinkit0%Base rate
BigBasket0%Base rate
Movies & shows0%Base rate
BookMyShow0%Base rate
PVR INOX0%Base rate
Fuel0%Base rate
Travel (general)0%Base rate
Flights0%Base rate
Hotels0%Base rate
MakeMyTrip0%Base rate
IRCTC rail0%Base rate
International−3.5%0% reward − 3.5% forex markup
Utilities & bills0%Base rate
Rent0%Base rate
Education fees0%Education MCCs are excluded from White Pass earning
Insurance premiums0%Base rate
Government & tax0%Base rate
Wallet loads0%Base rate
Anything else0%Base rate
Jewellery0%Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

  • Welcome: ₹1,500 of White Pass value on spending ₹30,000 within 60 days

Other exclusions

  • EMI transactions are excluded under Kotak's MITC
Kotak Mahindra Bank WhiteBest for Predictable big annual spends3.4 / 5

What to mind

  • Earns exactly nothing between milestones, land at ₹1.9 lakh and the year paid zero
  • White Pass value drops to 70 paise per rupee if you want plain cashback
  • ₹3,000 fee with a ₹5 lakh waiver bar

Verdict: A card for people whose annual spending is large and predictable. Anyone spending erratically will keep missing the steps that make it pay.

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.

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