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Kotak White & White Reserve Credit Card customers

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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 Dream Folks Lounge visits at select airports in 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.

In addition to gift vouchers, you can also redeem White Pass on flights, hotels, philanthropy and curated travel expeditions by National Geographic.

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-2021, the balance earned for the anniversary year 1-Jun-2021 to 31-May-2022 can be claimed till 29-August-2022.

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

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.

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.

Fees & Other Parameters	White
Joining Fees	₹3,000 + GST
Annual Fees	₹3,000 + GST
Condition for waiver of Annual Fees	Annual retail Spends of Rs 5 Lacs
Add on card Fees	Nil
Interest Charges on outstanding Balances	3.1% (Annualized 37.2%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	MAD can be 5% or 10% of TAD as decided by the Bank
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof	2.5% on advance amount, subject to minimum of ₹500
Late Payment Charges ("LPC")	Due as per last statement	LPC Charges
	<₹100	₹0
	₹100 – ₹500	₹100
	₹501 – ₹5,000	₹500
	₹5,001 – ₹10,000	₹600
	₹10,001 – ₹25,000	₹800
	₹25,001 – ₹50,000	₹1,000
	>₹50,000	₹1,200
Over Limit Charges	₹500
Cheque Bounce Charges	2% of bounce amount, subject to minimum of ₹500
Standing Instruction Failure / Auto-debit return fee	2.0% on bounce amount, subject to minimum of ₹450
Foreign Currency Mark Up	3.5%
Railway Booking Surcharge (1.8%/2.5% on transaction amount)	Waived, maximum waiver of ₹500 in a year
Fuel Surcharge (1% on transaction)**	Waived on transaction value between ₹500 and ₹3000, maximum waiver of ₹3500 in a year
Fee for Cash payment at Bank	₹100
Outstation Cheque Processing Fee	Waived
Reissue/ Replacement Card (per issunace)	100
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non Parent Bank ATM	Waived
Duplicate Statement Request	Waived
Furnishing a copy of Credit Information	₹50
Web Pay Service Fee	Waived
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.com 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

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

Kotak White x Peppa Pig’s Adventure Live Theatrical, 2024

Bringing you and your kids together for a day full of giggles, songs and fun. Packed with interactive dialogues, charming songs and of course, plenty of muddy puddle jumping, this live show will become one of your magical memorable family moments.

48-Hour Pre-sale of tickets for Delhi and Mumbai is LIVE NOW.

Pre-sale ends on 30th October, 2024 at 12 PM.

Note: The tickets for our shows in Bengaluru, Chennai and Hyderabad are still available on BookMyShow. Pre-sale and discount will not be applicable for these shows.

Exclusive benefits

48-Hour exclusive pre-sale to book tickets

10% off up to Rs 1000, on a minimum ticket value of Rs 3,500 for White & White Reserve Credit Card customers only.

Watch this space for details of other cities.

How to Avail the Offer: BookMyShow is the official ticketing partner for Peppa Pig’s Adventure

Visit Book My Show Website or app
Select Peppa Pig’s Adventure Live Theatrical and the city of your choice
Click on ‘Book Now’
Enter your 16-digit Kotak White Credit Card or White Reserve Credit Card number. Upon entering this, the offer will automatically get applied
Select date and time of the show of your choice
Select the category and seat of your choice
Click on ‘Next’ and select ‘Add On’ if any
Check the Order summary and proceed to the secure payment page to make the payment using your Kotak White or White Reserve Credit Card

Know More

Of course that’s not all. There’s always more for you

Surcharge Waiver

Fuel: Save 1% fuel surcharge across all petrol pumps in India
Railway: Save 1.8% to 2.5% for a ticket booked on www.irctc.co.in or at the railways booking counter^

Attractive EMI options

Convert any purchase above ₹2500 into easy EMI payments

Balance Transfer

3-month, interest-free period on transferring all other outstanding credit card amounts to Kotak White Credit Card Processing Fee of ₹349 + Service Tax per ₹10,000

Add-On Card

Complimentary add-on card for your loved ones with the option to set spending limits as per their needs

Priority Attend Service

Dial 1800 266 6666 or SMS KPRIVY to 5676788. For any queries and we will call you back within 30 minutes

*Receipt of these benefits is subject to payment of joining fee. Not applicable for free varaint

^Fuel: Applicable on transactions between Rs. 500 and Rs. 3000. Maximum waiver of ₹3,500 allowed in a calendar year.
Railway: Maximum waiver of ₹500 allowed in a calendar year.

**Please note, w.e.f. 01st October, guest charges and charges after complimentary visits are exhausted, will be revised to $35 per guest, per visit.

***As per internal norms, customer can hold only one active White or White Reserve Credit Card. White Pass will not be credited if customer holds multiple active White and/or White Reserve cards.