The Kotak White Credit Card offered by Kotak Mahindra Bank provides customers with various benefits and privileges, Earn reward points on your card purchases, whether online or offline. The White Pass rewards program functions as a milestone-driven benefit, allowing you to accumulate White Pass value as you reach spending milestones. This accrued White Pass value is redeemable for shopping vouchers through the Kotak White portal.
Table of Contents
Benefits and Features of Kotak White Credit Card
| Benefits and Features | Kotak White Credit Card |
|---|---|
| Welcome Benefits | As a gesture of welcome, you will receive an Rs. 1,500 vouchers upon spending Rs. 30,000 within the first 60 days of card activation. |
| Cashback/Rewards Points | Accrue Reward Points, converted into White Pass value, upon surpassing the expenditure milestone of Rs. 2 lakh. |
| Travel Benefits | Enjoy the privilege of 8 complimentary domestic lounge accesses annually (2 per quarter) and 4 complimentary international lounge accesses each year through Priority Pass with this card. |
| Dining Benefits | N/A |
| Domestic Lounge Access | Benefit from 8 complimentary domestic lounge accesses every year (2 per quarter). |
| International Lounge Access | Additionally, receive 4 complimentary international lounge accesses annually through Priority Pass. |
| Movie Benefits | N/A |
| Insurance Benefits | Gain coverage against unauthorized card use up to Rs. 2.5 lakh. |
Kotak Bank White Credit Card Rewards
You can earn reward points known as White Pass value with the Kotak White Credit Card. The White Pass value is unlocked once you spend a total of Rs. 2 lakhs or more. After reaching this milestone, you will earn White Pass value for additional spending based on the following table-
| Spends | WHITE Pass Value (incremental) | WHITE Pass Value (cumulative) |
| <2 lakhs | Rs. 0 | Rs. 0 |
| 2 – <4 lakhs | Rs. 2000 | Rs. 2000 |
| 4 – <6 lakhs | Rs. 4000 | Rs. 6000 |
| 6 – < 9 lakhs | Rs. 6000 | Rs. 12000 |
| 9 – < 12 lakhs | Rs. 7000 | Rs. 19000 |
| 12 lakhs & above | Rs. 8000 | Rs. 27000 |
Travel Benefits
Enjoy 8 complimentary access passes to airport lounges within India, with a maximum of 2 accesses per quarter. Revel in exclusive perks such as comfortable seating, gourmet meals, widescreen TVs, newspapers and magazines, and free Wi-Fi during your visit.
Benefit from a complimentary Priority Pass membership that provides access to over 1,300 airport lounges spanning 148 countries.
Additionally, relish 4 complimentary international airport lounge accesses annually through your Priority Pass membership.
Eligibility & Document for Kotak White Card
Read the article on CardsPreview.com for Kotak White Card Eligibility & Document here.
Fees & Charges
| Fees & Charges | Kotak White Credit Card |
|---|---|
| Joining fee | Rs. 3000 |
| Annual fee | Rs. 3000 |
| Fee waiver | Annual fee waived on the expenditure of Rs. 5 lahks in the previous year |
| Fuel surcharge | 1% fuel surcharge waiver on transactions between Rs 500 and Rs 3000 |
How to Apply for a Kotak White Credit Card
You can apply online or offline for this Kotak White Card.
Online – Visit Kotak Bank’s official website and apply for this credit card.
Offline – You can visit the nearest Kotak Bank branch with all the necessary documents for the Kotak White Card.
Conclusion
Taking into account the various advantages and the White Pass reward system, characterized by its milestone-based rewards, the annual membership fee of Rs. 3,000 appears to be somewhat elevated.
The positive aspect of the White Pass lies in its ability to accumulate White Pass value across all spending categories. However, it’s advisable to contemplate obtaining this card only if you are confident that your yearly expenses will surpass the White Pass activation threshold of Rs. 2 lakh.
