earn White Pass value of ₹2,000 at ₹2 lakh, ₹4,000 at ₹4 lakh, ₹6,000 at ₹6 lakh, ₹7,000 at ₹9 lakh and ₹8,000 at ₹12 lakh of spends settled in a card anniversary year, for a maximum of ₹27,000 a year
White Pass is redeemed at 1 White Pass = ₹1 on a curated catalogue of premium brands Brooks Brothers, Gas, Satya Paul, Hugo Boss, Paul Smith, Paul & Shark, Giorgio Armani, Armani Exchange, Steve Madden, Jimmy Choo, Helios, Michael Kors, Coach, Tanishq, Kate Spade, Titan Eye+, Bottega Veneta, Mothercare, Hamleys, Tumi, Taj Experiences, The Body Shop, Nature's Basket and Amazon or at 1 White Pass = ₹0.70 as cashback
8 complimentary domestic airport lounge visits a year 2 per quarter, 4 complimentary international lounge visits a year and an annual Priority Pass membership worth USD 99 giving access to 1,300+ lounges across 148 countries
each quarter's domestic lounge access must be unlocked by spending ₹1,00,000 in the previous calendar quarter
Fees
Joining FeeEarn White Pass value of ₹1,500 on spending ₹30,000 within 60 days from card set-up
₹3,540
₹3,000 + GST
Annual FeeThe annual fee is waived if you spend ₹5 lakh or more in a year on your card, as per bank policy
₹3,540
₹3,000 + GST
Eligibility
Age
28-60 years
Salary
₹2.08L / Month
Credit Score
720+
Bank Fee Structure
Forex Markup.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.50% per month (42% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.5%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 2% applies on rental transactions made using the credit card
2%
Cheque PaymentA fee of 2% of the bounce amount, subject to a minimum of ₹500, is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentA fee of ₹100 is levied when the outstanding is paid in cash over the counter at a Kotak Mahindra Bank branch
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1000
₹500
₹1001 - ₹5000
₹600
₹5001 - ₹10000
₹750
₹10001 - ₹25000
₹900
₹25001 - ₹50000
₹1100
Above ₹50000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
