ICICI Platinum Chip vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI Platinum Chip wins 6-2. Lifetime free entry-tier ICICI card. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | ICICI Platinum Chip | Kotak White |
|---|---|---|
| Annual fee | No annual fee | · ₹3,000 |
| Joining fee | None | · ₹3,000 |
| Top reward rate | 0.5% (general) | · Milestone |
| Base reward rate | 0.5% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = No welcome bonus, fee-free for life | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · N/A (no fee) | ₹500,000 / yr |
| Min income | ₹200,000 | · ₹2,500,000 |
| Min credit score | 700 | · N/A |
| Editorial rating | · 3.6/5 | 4.3/5 |
Benefits compared
ICICI Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›ICICI Platinum Chip vs Kotak White: which is better?
ICICI Platinum Chip wins on more dimensions (6 vs 2). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use ICICI Platinum Chip for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Platinum Chip: No welcome bonus, fee-free for life. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.