Kotak White

Name: Kotak White
Brand: Kotak Mahindra Bank
Rating: 4.3 (50 reviews)

Mid-premium Kotak card; rewards come from milestone White Pass value, not a per-spend rate.

4.3 / 5

Reward rates and fees verified against the issuer source on Jul 14, 2026 · issuer source

Joining fee

₹3,000

Annual fee

₹3,000

Top reward

Milestone

Min income

₹2,500,000

Apply at Kotak Mahindra Bank ← Back to all cards

External link to Kotak Mahindra Bank’s own application page.

The Kotak White costs ₹3,000 a year, waived at ₹5,00,000 annual spend. It earns via spend milestones, not a per-spend rate: milestone White Pass value, up to ₹27,000/year on ₹12 lakh spend (₹2,000 at ₹2L, ₹4,000 at ₹4L, ₹6,000 at ₹6L, ₹7,000 at ₹9L, ₹8,000 at ₹12L). Forex markup is 3.5%. These figures were verified against the issuer's own source on July 14, 2026.

5-year value calculator

This card earns on milestones, not a per-spend rate.

Earns via milestone White Pass value, up to ₹27,000/year on ₹12 lakh spend (₹2,000 at ₹2L, ₹4,000 at ₹4L, ₹6,000 at ₹6L, ₹7,000 at ₹9L, ₹8,000 at ₹12L); 1 White Pass = ₹1 on catalog / ₹0.70 cashback.

Annual fee ₹3,000, waived at ₹500,000 annual spend. Its value comes from hitting the spend milestones above, so it is not ranked by these spend sliders.

What does the Kotak White earn?

How this card rewards you.

Milestone rewards

🎁

Welcome bonus

White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up

What do you get with the 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

Who qualifies for the Kotak White?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹2,500,000

Self-employed

Eligible

Kotak White FAQ

›What is the Kotak White annual fee?

The annual fee is ₹3,000. It is waived if you spend ₹5,00,000 in a year.

›What does the Kotak White earn?

It earns via spend milestones, not a per-spend rate: milestone White Pass value, up to ₹27,000/year on ₹12 lakh spend (₹2,000 at ₹2L, ₹4,000 at ₹4L, ₹6,000 at ₹6L, ₹7,000 at ₹9L, ₹8,000 at ₹12L). Full structure: Earns via milestone White Pass value, up to ₹27,000/year on ₹12 lakh spend (₹2,000 at ₹2L, ₹4,000 at ₹4L, ₹6,000 at ₹6L, ₹7,000 at ₹9L, ₹8,000 at ₹12L); 1 White Pass = ₹1 on catalog / ₹0.70 cashback.

›What is the Kotak White forex markup?

The Kotak White charges 3.5% forex markup on foreign-currency spends.

›What income do you need for the Kotak White?

The stated minimum income is ₹25,00,000 a year. Banks treat this as a guideline, not a hard cutoff.

›What is the Kotak White welcome bonus?

White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.

›Are these Kotak White figures verified?

These figures were verified against the issuer's own source on July 14, 2026.