How can I redeem White Pass value?

Redeem via Kotak's White Pass catalogue for partner vouchers and experiences.

Is there a joining fee?

Yes. Joining fee is ₹3,000 (plus GST) as per Kotak's fee schedule.

What is the welcome benefit?

Earn White Pass value of ₹1,500 when you spend ₹30,000 within 60 days of card issuance.

How do I earn White Pass value?

White Pass value accrues on crossing specified cumulative spend milestones in the card anniversary year.

Are lounge visits included?

Yes — limited domestic and international lounge access is included (subject to terms).

Credit Cards/Kotak Mahindra Bank/Kotak White Pass Credit Card

Kotak White Pass Credit Card

Kotak Mahindra Bank

4.6

Expert Rating

restaurants e-commercefuel grocery

Annual Fee

₹3,000

Joining Fee

₹3,000

Forex Fee

Lounge Access

6 visits/yr

Kotak White Pass is a premium lifestyle credit card that rewards milestone spenders with direct White Pass value redeemable with partner brands. It offers airport lounge access, milestone-based value accruals and curated premium offers. Best suited for cardholders who prefer milestone value over point-collection.

Features of Kotak White Pass Credit Card which makes it unique

White Pass Value

Direct spend-linked value (no points calculation)

Simpler redemption for premium vouchers

Different from point-based cards

Premium Catalogue

Redeem White Pass against curated brand vouchers

Luxury-brand redemptions

Focused on premium experiences

Rewards Structure of Kotak White Pass Credit Card

Base

base

All retail spends

Reward Rate:1% base value

Milestones of Kotak White Pass Credit Card

₹2 lakh annual spend

₹200000 : White Pass value ₹2,000

₹6 lakh annual spend

₹600000 : White Pass value ₹6,000

₹12 lakh annual spend

₹1200000 : White Pass value ₹8,000 (cumulative up to ₹27,000)

Fees & Charges of Kotak White Pass Credit Card

Fee & Amount	Fee Value
Joining Fee	₹3,000
Annual Fee	₹3,000
Forex Markup Fee	2%
Cash Advance Fee	0
Late Payment Fee	₹750
Over Limit Fee	₹500
Returned Payment Fee	₹350
Cash Withdrawal Fee	0%

Renewal Conditions:Annual fee may be waived based on Kotak's specified annual spend thresholds.

Fee Explanation Standard bank rates and GST apply; fees and waiver conditions subject to Kotak Mahindra Bank terms.

Lounge Access Benefits with Kotak White Pass Credit Card

domestic Lounges

silver

Visits per year: 4

Guest access: No

As per Kotak lounge policy

international Lounges

silver

Visits per year: 2

Guest access: Yes

Priority Pass terms apply

Insurance Coverage with Kotak White Pass Credit Card

Travel Insurance

₹10,00,000

As per Kotak's travel insurance T&Cs for international trips

Purchase Protection

₹50,000

Within 90 days of purchase; subject to claim T&Cs

Additional Features of Kotak White Pass Credit Card

Add-on Cards

Add-on cards available as per bank policy

Up to bank-specified limit

Contactless Payments

Tap-and-pay enabled

Welcome Bonus with Kotak White Pass Credit Card

Welcome Bonus: White Pass value ₹1,500
Bonus Conditions: Welcome benefit applicable for spends of ₹30,000 within 60 days of card issuance; only on settled retail spends as per bank terms.

Application Process for Kotak White Pass Credit Card

Processing Time

5-7 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via Kotak or authorised channel

Upload KYC documents

Receive verification call or OTP

Card dispatched within bank-specified timelines

Required Documents for Kotak White Pass Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

salaried

Accepted documents:

Payslip Form 16