Kotak White Credit Card
Kotak Mahindra Bank · Checked 2026-10-17
A milestone-led premium card for customers who can use airport lounges and sustain the spending required for White Pass value.
CardIQ editorial view
Our take
A milestone-led premium card for customers who can use airport lounges and sustain the spending required for White Pass value.
Who it suits
- Frequent domestic travellers with some international lounge use.
- Customers spending enough to reach White Pass milestones and the fee waiver.
Key strengths
- A mix of domestic and international lounge visits at a mid-premium fee.
Trade-offs to understand
- The ₹5 lakh fee-waiver threshold is much higher than many mid-fee cards.
- The issuer's maximum value illustration assumes ₹12 lakh annual spending.
CardIQ verdict
Consider it for lounge and milestone use, but calculate value using your own spending rather than the issuer's illustration.
Compare before deciding
- Kotak White Reserve Credit Card — Compare only if unlimited lounge access and premium services justify a much higher fee.
- IDFC FIRST Ashva — Compare a different mid-premium travel and reward structure.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- Eight domestic lounge visits annually, limited to two per quarter, plus four international visits under issuer conditions.
- Introductory welcome voucher worth ₹1,500 on ₹30,000 spend within 60 days.
- Kotak's value illustration assumes ₹1 lakh monthly spend; actual value depends on milestone and lounge use.