- Joining fee
Rs. 3,000 + GST
- Annual fee
Rs. 3,000 + GST
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
Earn Reward Points as White Pass value post crossing the expenditure milestone of Rs. 2 lakh
- Welcome benefits
Voucher worth Rs. 1,500 on spending Rs. 30,000 withing 60 days of card setup
- Reward redemption
White Pass value redeemable for vouchers from partner brands
Benefits
- Travel
8 complimentary domestic lounge access annually (2/quarter), 4 complimentary international lounge access every year with Priority Pass
- Domestic lounge
8 complimentary domestic lounge access every year (2/quarter)
- International lounge
4 complimentary international lounge access annually with Priority Pass
- Insurance
Cover against unauthorized use of card worth Rs. 2.5 lakh
Fees & charges
- Spend-based waiver
Annual fee waived on expenditure of Rs. 5 lakh in the preceeding year
- Rewards redemption fee
Nil
- Foreign currency markup
3.5% + GST
- Interest rates
3.1% per month (37.2% annually)
- Fuel surcharge waiver
Waived for transactions between Rs. 500 and Rs. 3,000 (max waiver of Rs. 3,500/year)
- Cash advance charges
Rs. 300 per Rs. 10,000 (or part thereof) withdrawn.
Product highlights
- Rewards as White Pass value.
- Earn White Pass value on achieving spends-based milestones.
- Voucher worth Rs. 1,500 on the expenditure of Rs. 30,000 within 60 days of card issuance.
- 4 complimentary international lounge access with Priority Pass membership.
- 8 complimentary domestic lounge access every year (2 per quarter).
- Fuel and railway surcharge waiver.
- Protection against unauthorized transactions worth Rs. 2.5 lakh from 7 days prior to reporting the loss of card.
FAQs
Do I get any White Pass value on expenditure of < Rs. 2 lakh?
No. You have to spend a minimum of Rs. 2 Lakh to activate your White Pass.
What is the validity of the White Pass Value?
Your White Pass value is valid until 3 months after the card’s anniversary year. For example, if you booked your card in January 2021, your White Pass value will be valid until March 2022.
Is the complimentary international lounge access also applicable for add-on cardmembers and guests accompanying the primary cardmember?
No. The complimentary international lounge access (under the Priority Pass program) is applicable only for the primary cardholders. Lounge visits by add-on cardholders and accompanying guests are chargeable at USD 27 / guest/visit.
How can I redeem the White Pass value?
The White Pass value can be redeemed against shopping vouchers from popular brands on the Kotak White portal.
Do I get a zero liability cover with this card?
Yes. You do get a zero liability protection worth Rs. 2.5 lakh applicable from 7 days prior to the time of reporting the loss of card.