Kotak White Credit Card

Premium Visa World Elite with unlimited lounge and concierge

JOIN: ₹5,000
ANNUAL: ₹5,000
REWARDS: 0.67%
APR: 42.00% p.a.

VISA WorldElite Metal VIRTUAL OK

§ ELIGIBILITY

Employment: Salaried / Self-Employed
Min annual income: ₹30,00,000
Min monthly salary: ₹2,50,000
Age: 21 – 65
Min credit score: 750
Existing account?: Not required
Invitation only?: No

§ FEES

Joining fee: ₹5,000
Annual fee: ₹5,000
APR (monthly): 3.50% p.m.
APR (annual): 42.00% p.a.
Late payment fee: ₹800
Over-limit fee: ₹500
Cheque bounce: ₹500
Grace period: 50 days
Min due: 5%

§ ATM & CASH

Own bank free / month: 0
Own bank charge: ₹250
Other bank free / month: 0
Other bank charge: ₹250
International withdrawal: ₹250
Cash advance fee: 2.5%

§ TRANSACTIONS

Currency markup: 3%
DCC fee: 1%
Cross-border fee: —
SMS alert / month: —
PIN regen: ₹100
Physical statement: ₹100

§ FUEL

Surcharge waiver: 1%
Min txn: ₹500
Max txn: ₹4,000
Max waiver / cycle: ₹250
Networks: All

§ LIMITS

ATM / day: ₹50,000
POS + e-com / day: ₹5,00,000
Contactless / txn: ₹5,000
Contactless / day: ₹50,000

§ INSURANCE

Accidental death cover: ₹50,00,000
Permanent disability: ₹50,00,000
Air accident: ₹50,00,000
Travel insurance: ₹25,00,000
Baggage: ₹50,000
Lost-card liability: ₹5,00,000
Purchase protection: ₹5,00,000

§ REWARDS

Programme: Kotak Reward Points
Earn rate: 5 RP per ₹150
Point value: ₹0.2
Effective cashback: 0.67%
Min redemption: 100 pts
Expiry: 2 years from date of accrual

§ LOUNGE

Domestic: Unlimited
International: Unlimited
Domestic guests allowed?: Yes
International guests allowed?: Yes

Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Kotak Mahindra Bank and earns no commission on applications.

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