Kotak White Credit Card
Get Fuel Surcharge Waiver
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.25% travel · 0.25% dining · 0.25% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Horizon Credit Card
At ₹50,000/month with 15% travel and 10% dining.
Tools for Kotak White Credit Card holders
Frequently asked
Is the Kotak White Credit Card worth the ₹3,000 fee?
It depends on your spend. The Kotak White Credit Card earns 0.25% base reward and waives the annual fee at ₹5,00,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for Kotak White Credit Card?
Kotak typically requires a minimum income of ₹25,00,000/year for the Kotak White Credit Card.
Reward rates and fees are sourced from Kotak's product page and may change. Always confirm with the card issuer before applying.