Kotak Mahindra Bank
Kotak White Signature Credit Card
Your rating
Community rating
Joining Fee
₹3,000
Annual Fee
₹3,000
Reward Rate
1% – 2.5%
Forex Markup
2%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
1% – 2.5%
Earn rate
₹1
Per point
15 months
Point expiry
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
2 per quarter
Domestic lounge visits
4 per year
International lounge visits
Priority Pass
Included with this card
Things to Keep in Mind
- rent payments fee applies
- guest lounge visits chargeable
- multiple active White/White Reserve cards not allowed for White Pass credit
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- Strong milestone-based rewards structure
- Good domestic and international lounge access for the fee
- White Pass redemption works well for premium brand vouchers
- Welcome benefit offsets part of joining fee
- Annual fee waiver milestone is achievable for premium users
- Good lifestyle-focused premium credit card
- Priority Pass inclusion adds travel value
- Very little value for low spenders
- Rewards are milestone-based instead of regular spend-based
- Forex markup is high at 3.5%
- No airline or hotel transfer partners
- Reward ecosystem is weaker than HDFC or Axis premium cards
- Best redemption value limited to Kotak White Pass catalog
- Limited premium travel benefits compared to Atlas or Infinia
Who is this card for?
Frequent travellers and high-spenders who want comprehensive lounge access and competitive forex rates. Best for those spending ₹50,000–₹1,00,000/month who travel internationally.
Quick Links
Data last updated 24 Mar 2026