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Kotak · premium tier
Kotak White Credit Card
High-spend Kotak customers wanting premium rewards
Joining fee
₹3.0K
Annual fee
₹3.0K
Base rate
2%
Expert rating
7.5/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹12,000
Fees-₹6,000
Net annual value+₹6,000
Value breakdown
Base rate (2%)+₹12,000
Annual fee₹3,000
Joining fee (year 1)₹3,000
— Highlights
- Milestone rewards
- Lounge access