Kotak White Credit Card

Kotak Mahindra Bank · ₹3,000 a year · fee waived on ₹5,00,000 of annual spend

A premium card that pays at spend milestones.

What the bank says

• Reward point value up to ₹27,000 a year on ₹12 lakh of spend, earned at milestones
• 1 point = ₹1 on the catalogue, ₹0.70 as cashback
• 8 domestic and 4 international lounge visits a year

Things that catch people out

• Its rewards come only at spend milestones, which the page does not list in full, so it is not ranked.

Joining fee: ₹3,000. Foreign currency markup: not published.

Read from Kotak Mahindra Bank’s own page on 2026-09-16.

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