Cardfare / Cards / Kotak White
Kotak White: rewards, caps and changes
What this card earns where, the caps that stop it, and what changed recently. Rates in the "Worth" column value one Kotak White Reward Points (White Pass) unit at ₹0.7 (conservative: cashback conversion 1 rp = ₹0).
What it earns
| Where | Rate | Worth | Conditions | Source |
|---|---|---|---|---|
| Everything else | 0% in Kotak White Reward Points (White Pass) | 0.0% | — | Terms |
| Bills & utilities | No rewards | 0% | — | Terms |
| Mobile & broadband | No rewards | 0% | — | Terms |
| Insurance premiums | No rewards | 0% | — | Terms |
| Wallet loads | No rewards | 0% | — | Terms |
| Rent | No rewards | 0% | — | Terms |
| Tax & government | No rewards | 0% | — | Terms |
| Fuel | No rewards | 0% | — | Terms |
| Education fees | No rewards | 0% | — | Terms |
| Trains | No rewards | 0% | — | Terms |
Milestones
- ₹2 lakh eligible spends in a card anniversary year: 2,000 Reward Points (₹2,000 on catalogue; ₹1,400 at the conservative ₹0.70 cashback rate). Cumulative 2,000.
- ₹4 lakh: additional 4,000 Reward Points (₹4,000 catalogue / ₹2,800 cashback). Cumulative 6,000.
- ₹6 lakh: additional 6,000 Reward Points (₹6,000 catalogue / ₹4,200 cashback). Cumulative 12,000.
- ₹9 lakh: additional 7,000 Reward Points (₹7,000 catalogue / ₹4,900 cashback). Cumulative 19,000.
- ₹12 lakh: additional 8,000 Reward Points (₹8,000 catalogue / ₹5,600 cashback). Cumulative 27,000, which is the annual maximum.
Recent changes
-
CutReportedKotak Mahindra Bank· since 1 June 2025
Kotak adds 1% category fees, raises interest and trims rewards
Kotak added a 1% fee on utility, education, wallet-reload, skill-gaming and fuel spends above per-cycle thresholds, raised finance charges on most cards from 3.5% to 3.75% a month, and stopped rewards on rent, wallets, insurance, utilities, education, government and gaming spends. White Reserve, Solitaire, Infinite and Signature variants were exempt from the new fees, and point redemption values were cut on cards such as Royale, League and 811.
Applies across Kotak Mahindra Bank's cards
Source: Business Standard
Live offers for this card
- AmazonKotak Mahindra Bank· until 30 September 2026
7.5% off up to ₹2,000 on ₹10,000+ · card EMI only
7.5% instant discount up to ₹2,000 on Kotak Credit Card EMI
Offer terms · verified 23 Sept 2026
- GoibiboKotak Mahindra Bank· until 30 September 2026
10% off up to ₹1,800 on ₹5,000+ · card EMI only
10% off domestic flights with Kotak credit card EMI · Code GOKOTAKEMI
Offer terms · verified 7 Aug 2026
- EaseMyTripKotak Mahindra Bank· until 30 September 2026
10% off up to ₹1,800 on ₹5,000+ · card EMI only
10% off domestic flights with Kotak credit card EMI · Code KOTAKEMI
Offer terms · verified 24 Sept 2026
- GoibiboKotak Mahindra Bank· until 30 September 2026
10% off up to ₹5,000 on ₹15,000+ · card EMI only
10% off international flights with Kotak credit card EMI · Code GOKOTAKINTEMI
Offer terms · verified 7 Aug 2026
- EaseMyTripKotak Mahindra Bank· until 30 September 2026
10% off up to ₹5,000 on ₹15,000+ · card EMI only
10% off international flights with Kotak credit card EMI · Code KOTAKEMI
Offer terms · verified 24 Sept 2026