Kotak White Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Earn White Pass value when you reach spending milestones. Receive a voucher valued at Rs. 1,500 when you spend Rs. 30,000 within 60 days of receiving the card. Enjoy 4 complimentary international lounge access with a Priority Pass membership. Receive 8 complimentary domestic lounge access every year (2 per quarter). Get fuel and railway surcharge waivers. Receive protection against unauthorized transactions worth Rs. 2.5 lakh starting from 7 days before reporting the loss of the card.

The Kotak White Credit Card is a suitable option for avid shoppers, offering a range of features and benefits.

With a joining fee of Rs. 3,000 + GST and a renewal fee of Rs. 3,000 + GST, this card provides excellent value for those who frequently indulge in retail therapy.

The reward type for this card is Reward Points, allowing cardholders to earn points on their purchases.

Additionally, upon spending Rs. 30,000 within 60 days of card setup, users are rewarded with a welcome benefit of a voucher worth Rs. 1,500.

When it comes to lounges, the Kotak White Credit Card offers a generous perk.

Cardholders receive 8 complimentary domestic lounge accesses annually (2 per quarter) and 4 complimentary international lounge accesses every year with Priority Pass.

A standout feature of this card is the cover against unauthorized use of the card, worth Rs. 2.5 lakh, providing cardholders with an added layer of security.

Moreover, the annual fee is waived upon reaching an expenditure of Rs. 5 lakh in the preceding year, making this card even more appealing to frequent spenders.

The rewards redemption fee for this card is nil, allowing users to redeem their earned rewards without any extra charges.

However, it's important to note that there is a foreign currency markup of 3.5% + GST, which should be taken into account when using the card for international transactions.

The interest rate for the card is 3.1% per month (37.2% annually), which is an industry standard.

For fuel transactions between Rs. 500 and Rs. 3,000, the fuel surcharge is waived, providing a maximum waiver of Rs. 3,500 per year.

Cash advances on this card come with a fee of Rs. 300 per Rs. 10,000 (or part thereof) withdrawn.

This is something that cardholders should be mindful of when considering utilizing this feature.

In summary, the Kotak White Credit Card is a solid choice for shoppers seeking a reliable credit card with attractive rewards and benefits.

With its complimentary lounge access and cover against unauthorized use, cardholders can enjoy peace of mind while making their purchases.

The waived annual fee and zero rewards redemption fee further add to the appeal of this card.