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KOTAK
Up to 8 Reward Points per Rs. 150, and White Pass value of up to Rs. 27,000 a year
One-time
Waived on ₹5,00,000/yr
Capped at ₹27,000/year
Score 750+
Applying takes you to KOTAK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from KOTAK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromEverything else
Pays up to ₹27,000 a year — reached at about ₹3,37,500 of spend
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
8% on Everything else — Up to 8 Reward Points per Rs. 150 across all categories, accrued at spend milestones. Total reward point value is capped at Rs. 27,000 a year and resets on each anniversary; the balance stays valid for 90 days after it., up to ₹27,000 per year.
Biggest limitation
Value is paid at annual spend milestones rather than as a rate, so spending below Rs. 2,00,000 a year earns no White Pass value at all.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
8 pts
cappedEverything else
Pays up to ₹27,000 per year — reached at about ₹3,37,500 of spend.
Up to 8 Reward Points per Rs. 150 across all categories, accrued at spend milestones. Total reward point value is capped at Rs. 27,000 a year and resets on each anniversary; the balance stays valid for 90 days after it.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹3,540 | — |
| Annual / renewal fee | ₹3,540 | Rs. 3,000 + GST annually, waived on annual retail spends of Rs. 5,00,000 |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹300 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 300 |
| Late payment | Rs. 100 where the statement outstanding is up to Rs. 500, Rs. 500 from Rs. 500.01 to Rs. 10,000, and Rs. 700 above Rs. 10,000 | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹5,00,000 a year
is what it takes to keep the ₹3,540 fee off — about ₹41,667 a month
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹0 a year — about ₹0 a month
White Pass value up to Rs. 27,000 a year at Rs. 12 lakh of annual spend
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
KOTAKKotak Air+ Credit Card₹3,540
KOTAKKotak Air Credit Card₹1,179
KOTAKKotak Urbane Gold Credit Card₹235
KOTAKKotak White Reserve Credit Card₹14,750
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177
IDFC BANKIDFC FIRST Mayura Credit Card₹7,079| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Kotak White Credit Card · this card | ₹3,540 | 8% everything else | Included |
| Kotak Air+ Credit Card | ₹3,540 | Up to 5 miles per ₹100 | Included |
| Kotak Air Credit Card | ₹1,179 | Up to 3% rewards | Included |
| Kotak Urbane Gold Credit Card | ₹235 | Up to 0.3% rewards | No |
| Kotak White Reserve Credit Card | ₹14,750 | Up to 3 reward points per ₹100 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹3,540 plus GST, waived on ₹5,00,000 of annual spend.
The strongest published rate is 8% on everything else, capped at ₹27,000 per year — so roughly ₹3,37,500 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 2 visits every quarter
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Up to Rs. 27,000 a year, reached at Rs. 12,00,000 of annual spend. It is paid at milestones rather than as a rate: Rs. 2,000 at Rs. 2 lakh of spend, Rs. 4,000 at Rs. 4 lakh and Rs. 6,000 at Rs. 6 lakh.
Yes — an annual Priority Pass membership worth 99 dollars, with four complimentary international lounge visits a year. It also gives two complimentary domestic lounge visits every quarter, which is eight a year.
Kotak does not publish a finance charge for this card on its product page, so we do not state one. Check the card's Most Important Terms and Conditions before relying on any figure, particularly if you expect to carry a balance.
Kotak publishes no minimum income, age or credit score for this card. The 750+ shown here is our own recommendation based on its Rs. 3,000 fee tier, not a figure the bank has stated.
Not really. The value is milestone-based, so Rs. 1,50,000 of annual spending earns no White Pass value at all while the Rs. 3,540 fee is still charged. It starts to make sense above Rs. 2 lakh of annual spend and is clearly positive above Rs. 5 lakh, where the fee is waived too.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Kotak White Credit Card — 8% on everything else, up to ₹27,000 per year. ₹3,540 a year.