# Kotak White

Kotak Mahindra Bank · Visa. ₹3,000 fee · 3.5% forex.

✓ official · checked 10 July 2026 · Source: https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/KFS-White.pdf

## How it earns (0)

Nothing on record yet.

## On gift vouchers

- Gift vouchers earn nothing on this card.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No per-₹ earn · White Pass milestone ladder only (₹2L to ₹12L a year earns ₹2K to ₹27K) · 1 WP = ₹1 catalogue or ₹0.70 cashback
- No points program (White Pass is milestone-only) · wallet loads earn nothing and do not count toward milestones · 1% wallet fee above ₹10K/cycle

## Milestones (5)

- ₹2,000 White Pass @ ₹2L annual spend (ladder start) · ₹2,000 at ₹2,00,000 spend per card year · ✓ official · checked 10 July 2026
- ₹6,000 White Pass (cumulative) @ ₹4L · ₹6,000 at ₹4,00,000 spend per card year · ✓ official · checked 10 July 2026
- ₹12,000 White Pass (cumulative) @ ₹6L · ₹12,000 at ₹6,00,000 spend per card year · ✓ official · checked 10 July 2026
- ₹19,000 White Pass (cumulative) @ ₹9L · ₹19,000 at ₹9,00,000 spend per card year · ✓ official · checked 10 July 2026
- ₹27,000 White Pass (cumulative, HARD annual cap) @ ₹12L; balance resets each anniversary, 90-day claim grace · ₹27,000 at ₹12,00,000 spend per card year · ✓ official · checked 10 July 2026

## Lounges (1)

- 8 domestic visits a year (2 a quarter) and 4 international visits a year through Priority Pass, membership included. From 1 Apr 2026 the domestic visits need ₹1,00,000 spent in a calendar quarter for 2 visits the next quarter. Guests and visits beyond the quota cost $35 from 1 Oct 2026. · Domestic + Priority Pass intl · domestic and international · 12 per year · checked 10 July 2026

## Transfer partners (1)

- ALL Reward Points · 2 : 1 · ✓ official · checked 17 July 2026

## Fees

- Annual fee: ₹3,000 + GST
  Waived at ₹5,00,000 spend per card year
- Forex markup: 3.5%
- DCC markup: Not published
- Earns: Kotak White Pass · ₹1 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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Canonical: https://getbrief.cards/cards/kotak-white