IndusInd Iconia Amex vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
IndusInd Iconia Amex wins 6-2. Mid-premium Amex with annual-fee waiver from year 2. 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 | IndusInd Iconia Amex | Kotak White |
|---|---|---|
| Annual fee | No annual fee | · ₹3,000 |
| Joining fee | · ₹3,500 | ₹3,000 |
| Top reward rate | 5% (shopping) | · Milestone |
| Base reward rate | 1.5% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 4,000 reward points + Yatra voucher | = 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 | ₹600,000 | · ₹2,500,000 |
| Min credit score | 770 | · N/A |
| Editorial rating | · 4.2/5 | 4.3/5 |
Benefits compared
IndusInd Iconia Amex
- 10 reward points per ₹100 on weekend dining + grocery
- 4 international + 8 domestic lounge visits/year
- Annual fee waived from year 2 (lifetime)
- 1% fuel surcharge waiver
- Buy-1-get-1 BookMyShow
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
›IndusInd Iconia Amex vs Kotak White: which is better?
IndusInd Iconia Amex 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 IndusInd Iconia Amex 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?
IndusInd Iconia Amex: 4,000 reward points + Yatra voucher. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.