Kotak Mahindra Bank
WorldElite · White
Kotak White Credit Card
Kotak Mahindra Bank
Premium Visa World Elite with unlimited lounge and concierge
Annual Fee
₹5,000
Joining Fee
₹5,000
Reward Rate
0.7%
Forex Markup
3%
Value Analysis
Annual Net Value
₹54,100
Total Annual Benefits
₹60,000
Total Annual Charges
₹5,900
ROI
917%
Fee Waiver Available
Annual fee waived on spending ₹5 Lakh in the preceding year — ₹5,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits per year
- • At all Dreamfolks partner domestic lounges
Unlimited visits
₹40,000/yr
Unlimited International Lounge Access
Unlimited complimentary international airport lounge visits via Visa LoungeKey
- • Visa LoungeKey membership included
Unlimited visits
₹50,000/yr
Reward Points (1)
Reward Points on All Spends
5 Reward Points per ₹150 spent on all retail purchases
5 RP per ₹150
Concierge Services (1)
24/7 Premium Concierge
Dedicated premium concierge for travel, dining, and lifestyle needs
Included
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Kotak Reward Points
5 RP per ₹150
Effective cashback: 0.67%
Points expire: 2 years from date of accrual
Redemption Options
- → Flights & Hotels via Kotak Rewards
- → Products & Vouchers
- → Cashback (1 RP = ₹0.20)
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹5,000 Excluding GST |
| Annual Fee | ₹5,000 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹800
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹2,50,000
- Min. Annual Income
- ₹30,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹2.5 Lakh
- • Self-Employed: ITR > ₹30 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹50.0 L
Permanent Disability
₹50.0 L
Travel Insurance
₹25.0 L
Lost Card Liability
₹5.0 L
Report within 24h
Air Accident Cover
₹50.0 L
Purchase Protection
₹5.0 L
90 days
- • Air accident cover: ₹50 Lakh
- • Travel insurance: ₹25 Lakh
- • Purchase protection: ₹5 Lakh for 90 days
- • Lost card liability: ₹5 Lakh
Airport Lounge Access
Domestic
999 visits/year
Unlimited
~₹2,000/visit
International
999 visits/year
Unlimited
~₹3,500/visit
Dreamfolks Visa LoungeKey
- • Domestic: Unlimited complimentary visits at all partner lounges
- • International: Unlimited via Visa LoungeKey
- • Guest access available at applicable charges
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Metal card Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Unlimited domestic lounge access Unlimited international lounge access 24/7 premium concierge Fuel surcharge waiver
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Kotak White Credit Card is a premium Visa World Elite card offering 5 reward points per ₹150 on all spends, unlimited domestic and international a...
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