Kotak White Credit Card | Application, Fee, Reward Points

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Eligibility Criteria for Kotak White Credit Card

  • You should be in the age bracket of 21 years to 65 years.
  • The add-on cardholder has to be 18 years of age and above.
  • Your net income should be Rs.25 lakh and above per year.
  • You should be a resident of India
  • Location – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune

Fees and Charges of the Kotak White Credit Card

Particulars Amount
Joining Fees Rs.3,000
Annual Fees Rs.3,000
Condition for waiver of Joining Fees NA
Condition for waiver of Annual Fees – First Year Annual retail Spends of Rs.5 lakh
Condition for waiver of Annual Fees – Second Year Annual retail Spends of Rs.5 lakh
Addon card Fees Nil
Interest Charges on outstanding Balances 3.1% (Annualized 37.2%)
Minimum Amount Due (MAD) (It will reflect in the statement in a column of the 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 Rs.300
Late Payment Charges (“LPC”)
  • Rs.100 for statement o/s less than or equal to Rs.500
  • Rs.500 for statement outstanding between Rs.501 to Rs.10,000
  • Rs.700 for statement outstanding greater than Rs.10,000
Over Limit Charge Rs.500
Cheque Bounce Charges Rs.500
Foreign Currency Mark Up 3.5%
Railway Booking Surcharge (on transaction amount) Waived
Fuel Surcharge Waived
Fee for Cash payment at Bank Rs.100
Outstation Cheque Processing Fee Waived
Reissue/ Replacement Card (per issuance) Rs.100
Charge Slip Request Waived
Machine Surcharge at ATMs Waived
Balance Enquiry Charges at Non-Parent Bank ATM Waived
Duplicate Statement Request Waived
Web Pay Service Fee Waived
Furnishing a copy of the Credit Information Report (CIBIL) Rs.50

 

Documents Required to Apply for the Kotak White Credit Card

Income proof (For self-employed)
  • Recent ITR (Income Tax Returns)
  • Audited profit and loss statement or balance sheet
Address proof (any one)
  • Passport
  • Telephone bill
  • Aadhaar card
  • Electricity bill
  • Rental agreement
  • Ration card
Income proof (For salaried)
  • Recent salary slips
  • Salary certificate
  • Employment letter
Proof of Identity (any one)
  • Voter’s ID card
  • Ration Card
  • PAN Card
  • Passport
  • Driving license
  • Aadhaar card

 

How to Apply for Kotak White Credit Card?

Assuming you need to get this card, you can visit the closest Kotak Mahindra Bank office or apply on the web. Here’s how you can apply on the web-

• Visit the official website of Kotak Mahindra Bank.

• Go to the credit card area and track down the White Credit Card.

• Click on ‘Apply Now’ and enter the necessary subtleties.

• If qualified, you can fill the point-by-point application structure.

The manager of the bank will call you about the record assortment. When you present the reports, the bank will check the records and approve the data given by you. In the case everything goes right, you will get the card within 7-10 workdays.

Key Benefits of the Kotak White Credit Card

• Get Complimentary Priority Pass membership and you can appreciate VIP admittance to more than 1,300 air terminal parlors across 160 urban areas and 148 nations.

• Get a 1% fuel surcharge waiver on exchanges that reach somewhere in the range of Rs.500 and Rs.3,000.

• You can save railway surcharge of 1.8% for exchanges on www.irtc.co.in

Benefits of the Kotak White Credit Card

Welcome gift benefits

• When you burn through Rs.30,000 inside the initial 60 days of your card being set up, you will get a voucher worth Rs.1,500

Travel and air terminal parlor benefits

• Get 8 free air terminal parlor access annually inside India (2 visits for each quarter).

Priority pass access benefits

• Get Complimentary Priority Pass membership and you can appreciate VIP admittance to more than 1,300 air terminal parlors across 160 urban areas and 148 nations.

• Get 4 free air terminal parlor access each year with the Priority Pass worth $99.

Fuel surcharge benefits

• Get 1% fuel surcharge waiver on exchanges that reach somewhere in the range of Rs.500 and Rs.3,000.

• Get a most extreme fuel waiver of Rs.3,500 in each scheduled year.

Railway Surcharge Waiver

• You can save railway surcharge of 1.8% for exchanges on www.irtc.co.in

• Save 2.5% for exchanges on Indian Railways Booking Counters.

• The greatest surcharge waiver in a scheduled year is Rs.500.

 

Also Read:Kotak Mojo Platinum Credit Card, Fees, Reward Points

How to check your Kotak Credit Card Application Status online

At the point when you apply for a credit card with Kotak Mahindra, the bank sends you an SMS. The SMS acknowledges your credit card application and furnishes you with two things: an extraordinary reference and the application structure number. Kotak Bank’s website permits you to check your credit card application status utilizing these particulars. The whole cycle is sans bother and simple. Follow these straightforward advances and you are through:

1. Visit the official website of the bank.

2. Select the alternative ‘explore products’ and snap on the dropdown menu.

3. Pick the choice ‘cards’ and select ‘credit card administrations’.

4. Look down till you discover the choice ‘application status’.

5. Click on ‘know more’, which will divert you to the page ‘check your card application status’.

6. Pick ‘select product’ and hit on the ‘credit card’ button.

7. Punch in your extraordinary reference number or the application structure number and snap the ‘check status’ alternative.

Credit Card Customer Care

Customer Contact Center 1860 266 2666 (neighborhood call rates apply).

FAQs on Kotak White Credit Card

1. How numerous air terminal parlor visits would I be able to get in a quarter?

You can get 2 visits for each quarter.

2. Can I redeem my award points?

Indeed, you can redeem them through cash, aircraft tickets, film tickets, versatile re-energize, or branded products.

3. Can I acquire reward points for my fuel costs?

No, you won’t acquire reward points on your fuel costs, however, you will get a fuel surcharge waiver. Get a 1% fuel surcharge waiver on exchanges that reach somewhere in the range of Rs.500 and Rs.3,000. Get a most extreme fuel waiver of Rs.3,500 in each scheduled year.

4. To get the railway waiver, would it be a good idea for me to book just through IRCTC?

Indeed, you should book your tickets by means of getting the railways waiver.

5. Is there any EMI choice with this credit card?

Indeed, you can change any buy above Rs.2,500 over to simple EMIs.

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