Kotak White Credit Card 2025
Save over ₹12,000+ every year with zero forex + travel rewards!
Best card for international travelers! Kotak White gives 0% forex markup, 5X rewards on travel, 1.25% FYF, and dining discounts with just ₹999 fee.
Perfect for overseas shopping & travel!
Why Choose Kotak White in 2025?
0% forex markup • 5X travel rewards • 1.25% FYF • 15% dining discount • ₹999 fee • Easy eligibility
Best for: International travelers, overseas shoppers, students abroad
First Year Free – 1.25% FYF (No Annual Fee First Year)
Card At a Glance
₹999 + GST (FYF)
₹999 + GST (from 2nd year)
5X Travel | 1X Others
0%
15% off 1500+ restaurants
None
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹999 + GST (1.25% FYF) |
| Annual Fee | ₹999 + GST (from 2nd year) |
| Forex Markup | 0% + GST |
| Rewards Redemption Fee | Zero |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹400/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 5X Reward Points on travel (flights, hotels, buses)
- 1X Reward Points on all other spends
- 1 point = ₹0.25 (vouchers)
- 15% discount on 1500+ restaurants
- Points valid for 2 years
- No exclusions on travel spends
Airport Lounge Access
No complimentary lounge access
Pay-per-visit available at ₹750/visit
Insurance & Protection Benefits
- ₹50 Lakh air accident cover
- ₹5 Lakh personal accident cover
- Zero forex markup worldwide
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 0% forex markup (best in class) | No lounge access |
| 1.25% FYF (no 1st year fee) | Low 1X base rewards |
| 5X on travel spends | ₹999 annual fee from year 2 |
| 15% dining discounts | No welcome benefits |
| Super easy eligibility | 2-year point expiry |
| ₹999 low fee |
Eligibility Criteria & Documents Required
- Age: 18–70 years
- Minimum Annual Income: ₹3 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar only
How to Apply Online (5-Minute Process)
- Visit Kotak website and select White Card
- Fill basic details → Instant approval
- Upload PAN & Aadhaar only
- Video KYC (2 minutes)
- Card delivered in 5-7 days
Final Verdict – Should You Get It in 2025?
Best 0% forex card! Perfect for international travelers & overseas shoppers. ₹10,000+ savings on forex alone + travel rewards. Must-have if you spend abroad!
Frequently Asked Questions (FAQs)
Truly 0% forex?
Yes! Zero markup on all international transactions.
First year free?
Yes! 1.25% FYF - no annual fee in first year.
5X rewards on what?
All travel: flights, hotels, buses, cabs, trains.
No lounge access?
Correct - but unbeatable 0% forex makes up for it.
Easy to get?
Yes! Only ₹3L income + PAN/Aadhaar required.