White Credit Card Lounge Program Benefits

Be prepared to enjoy a life unlike any other.

White Pass

A handcrafted exclusive rewards program designed for transparency, elegance and simplicity

Simple Milestone Structure

No need to calculate points. Earn direct White Pass value on crossing spend milestones

Welcome Benefit

Earn White Pass value of ₹1,500* on spending ₹30,000 within 60 days from card set-up

Value Like No Other

Earn White Pass value upto Rs. 27,000 every year on annual spends of Rs. 12 lacs

Premium Redemption Catalog

Redeem White Pass balance against luxury brands

Airport Lounge Access

Experience luxury as you travel

Priority Pass

Annual Priority Pass membership worth $99

Global VIP Pass

VIP access to 1300+ lounges across 148 countries, with Priority Pass

International Lounge Access**

4 complimentary lounge access annually, powered by Priority Pass
Click Here

Domestic Lounge Access

8 complimentary visits at select lounges in airport across India- (2 per quarter)
Click Here

Why keep track of reward points when you can just unlock direct value as you spend?

Earn White Pass value on reaching spend milestones.

Get value reminders | Use vouchers online or offline

Spend milestone*	White Pass value you earn	Cumulative White Pass value
₹2 lakh	₹2,000	₹2,000
₹4 lakh	₹4,000	₹6,000
₹6 lakh	₹6,000	₹12,000
₹9 lakh	₹7,000	₹19,000
₹12 lakh	₹8,000	₹27,000

*Applicable on spends settled in a card anniversary year

These aren’t any ordinary brand vouchers.

Redeem White Pass value directly from our curated collection of premium brands.

The above list of brands is subject to change from time to time.

Earn White Pass value on crossing every spend milestone

1 White Pass = ₹1 on White Pass catalog
1 White Pass = ₹0.70 for cashback

Claim those vouchers at your convenience.

All you need to do is

Login to Kotak Mobile app
Click on the Card Overview icon and enter your MPIN
Scroll down to the section of reward points
Click on ‘Claim now’. You will now be redirected to the White Pass redemption portal
Select the option you want to redeem your White Pass on
Once a redemption is done , you will receive a confirmation over email & SMS with the details of redemption
You will also be able to view all your redemptions in the Redemption History tab of the White Pass portal.

A maximum White Pass value of ₹27,000 can be accumulated in a year.

Every year on the anniversary date of the card , White Pass value will be reset to zero.

White Pass balance remains valid for an additional 90 days after every anniversary cycle.
For example: If your card is booked on 1-June-2025, the balance earned for the anniversary year 1-Jun-2025 to 31-May-2026 can be claimed till 29-August-2026.

Disclaimer: Please note w.e.f 1st April,2026 there are some changes in the calculation of milestone for White Pass benefits click here to know more.

Have a relaxed travelling experience. Enjoy complimentary refreshments, free internet access and a relaxed ambience, so your wait at airports is made more comfortable.

	Benefit	Lounge list	How to access
International Lounge Access Powered by Priority Pass	Priority Pass Membership worth USD 99 and 4 free visits, annually	Click Here	Present your Credit Card
Domestic Lounge Access	2 complimentary visits every quarter	Click Here	Present your Credit Card

Complimentary visits are only applicable for primary card holder, visits by add-on or guest will be chargeable

Click here to know changes in the lounge program w.e.f 1st April,2026

International Lounge Access Powered by Priority Pass

Activate international transactions (Online & in store/POS) using your Kotak Bank Mobile App or Net Banking to enable visit validation transaction. Visit validation charges of $1.00 will be debited as a one-time charge & auto reversed back to your card within 7 working days.
USD 35 per person per visit will be charged for guests.
After completion of the complimentary visits, USD 35 will be applicable for the primary cardholder as well.

Enjoy the good life at great value

Let us break it down for you.

Get value reminders | Use vouchers online or offline

What you pay
Joining Fee/Annual Fee*	₹3,000

What you get
Joining Gift**	₹1,500
Priority Pass + 4 International airport lounge complimentary visits	₹19,890
White Pass Value	₹27,000
8 Domestic Airport lounge complimentary visits (2 per quarter)	₹16,000
Total Value Delivered Per Year	₹64,390
The above values are defined assuming monthly spends of ₹1 lakh.

Check off this list to access luxury

Eligibility criteria

Primary Credit Card holder’s age: 28 to 60 years
Add-on Card holder’s age: 18 years or above
Location: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
Income: ₹25 lakh and above per annum

To know about Programme Eligibility click here.

The White Credit Card also comes with Visa payWave that offers a fast, safe and secure way to pay.

Just wave and pay with no PIN.

Enjoy the comfort of this contactless way to pay for transactions up to ₹5000, without a PIN.

Why contactless payments?
- Speed: You don't need to enter a PIN, just wave your credit card on the reader*.
- Safety: The credit card never leaves your hand, reducing the risk of loss or counterfeit.
- Security: Multiple layers of security ensures no fraudulent or unauthorized transactions.
How does the PayWave Credit Card work?
- Look for the Visa PayWave mark and contactless logo on the POS machine
- Check the amount entered on the contactless reader
- Tap your credit card over the reader at close range over the logo
- A message and 4 beeps indicates a successful transaction

*The requirement for PIN entry on the POS terminal at the merchant outlet is a function of country specific regulations and is subject to change. PIN input is not mandated for purchases below the permissible local limit.

Please note that the permissible transaction limit for usage of credit cards in contactless mode in India is mandated by RBI and may change from time to time based on the latest regulations. As per RBI notification on Additional Factor authentication for contactless transactions dated Dec 4, 2020, PIN input is not required on the POS terminal at the merchant outlet for contactless transactions up to a maximum value of ₹5,000 per transaction. Additionally, beyond this transaction limit (above ₹5,000), the card has to be processed in Chip & PIN mode and authentication with PIN is mandatory.

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Fees & Charges

Fee & Charges	Kotak White Signature Credit Card
Joining fee	₹3,000 + GST
Annual fees	₹3,000 + GST
Condition for waiver of Joining Fees	NA
Condition for waiver of Annual Fees	Annual retail spends of ₹500,000
Condition for waiver of Annual Fees	Annual retail spends of ₹500,000

Please refer MITC to view details of Kotak White Credit Card fees and charges

Please Note: Waiver of fees for Credit Cards linked to Programme is subject to maintaining eligibility of respective Programme.

Programme refers to Kotak Bank and Group product propositions like Privy League Black / Privy League Platinum / Privy League Neon programme / Private Banking / Corporate Salary programme. For details on the programme eligibility and cards offered, please visit www.kotak.bank.in

In case, programme eligibility is not met or if customer is degraded from higher variant programme to lower variant, customer will not be given programme linked fee waiver and will be required to pay Joining/Annual fees

GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card

Disclaimer :

Rent Payments will be levied with fee of 2% of the Transaction Amount + GST for all transactions done on MCC 6513

Enter the world of White Credit Card for exclusive benefits, unprecendented access to premium brands and more.