Kotak White
PremiumKotak Mahindra Bank
Reward rules
Points valued at ₹0/pt - conservative, what rankings use
Base rate - everything not covered below
0 pts / ₹100= 0 pts per ₹100
0.00%
conservative value
Milestones
₹2,00,000 / year
₹2,000 White Pass
worth ≈ ₹2,000
₹4,00,000 / year
+₹4,000 White Pass
worth ≈ ₹4,000
₹6,00,000 / year
+₹6,000 White Pass
worth ≈ ₹6,000
₹9,00,000 / year
+₹7,000 White Pass
worth ≈ ₹7,000
₹12,00,000 / year
+₹8,000 White Pass (max ₹27,000/yr)
worth ≈ ₹8,000
Earns nothing on
- ⊘ Education MCCs excluded from White Pass milestone spends effective 1 Apr 2026.821182208241824482498299849384947911bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ Transportation MCCs excluded from White Pass milestone spends effective 1 Apr 2026.4111411247844131bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ EMI, cash advances and fees excluded from milestone spends (MITC).