Joining Fee:
₹3000 +GST
Return Percentage:1% to 3%
Credit Card Overview
A premium Kotak White card offering flexible rewards, milestone benefits, and lifestyle perks tailored for aspirational users.
Best Suited For: Experience, Travel Booking, Hotel Transfer
Kotak
Fees and charges at a glance
- Annual fee
- ₹3,000
- Joining fee
- ₹3,000
- Reward rate
- 1% to 3%
- Forex markup
- 3.5%
- Interest rate
- 37.2% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
Kotak White credit card — Earn Categories
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Base Rewards
- Fuel
- Education
- Rent