Verified — 16/16 categories
Kotak
Kotak White Credit Card
Best forNot enough verified categories yet
EarnsSee reward categories below
1st Year / Joining Fee
₹3,000 + taxes
Renewal Fee
Not recorded
Fee waiver
₹5,00,000
annual spend
Network
Not recorded
Kotak
Kotak White Credit Card
Why this card may suit you
Based on the card's verified terms.
- Annual fee is waived at ₹5,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
No earning category has been verified yet — see the category table for the current status of each.
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | — | — | Standard card reward rate appliesDetails
|
| Insurance | — | — | Standard card insurance reward rate appliesDetails
|
| Utilities | — | — | Standard utility rate appliesDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | — | — | Standard retail reward rate for Kotak White Credit Card on GroceriesDetails
|
| Dining | — | — | Standard retail reward rate for Kotak White Credit Card on DiningDetails
|
| Food Delivery | — | — | Standard retail reward rate for Kotak White Credit Card on Food DeliveryDetails
|
| Shopping | — | — | Standard retail reward rate for Kotak White Credit Card on ShoppingDetails
|
| Travel | — | — | Standard retail reward rate for Kotak White Credit Card on TravelDetails
|
| Government | — | — | Standard card reward rate appliesDetails
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Standard verified reward rate for Kotak White Credit Card on RailwaysDetails
|
| FASTag | — | — | Standard verified reward rate for Kotak White Credit Card on FASTagDetails
|
| Jewellery | — | — | Standard verified reward rate for Kotak White Credit Card on JewelleryDetails
|
| Telecom | — | — | Standard verified reward rate for Kotak White Credit Card on TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹3,000 + taxes
Renewal Fee
Not recorded
Fee waiver
₹5,00,000
annual spend
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Spending thresholds
- Spend ₹5,00,000 per card year → annual fee waived
Key benefits
Fee waiver
Annual fee waived on ₹5,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- No reward on: Rent, Fuel, Wallet
- Spend ₹5,00,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- You can reach the ₹5,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, wallet, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 3 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Rent — No reward.
- Fuel — No reward.
- Wallet — No reward.
Milestones · 1 recorded
- Spend ₹5,00,000 per card year → benefit worth ₹3,000 — Annual fee waiver at ₹5 lakh annual retail spend.
Eligibility
Subject to Kotak's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-23
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-23
Documents used