Kotak White Credit Card

Joining Fee

Rs.3,000

Annual Fee

Rs.3,000

Value Builders

Joining Gift

Rs.1,500

PP + 4 visits

Rs.19,890

White Pass Value

Rs.27,000

8 Domestic Airport lounge complimentary visits (2 per quarter)

Rs.16,000

Value delivered per annum

Rs.64,390

Joining Fees

Rs.3,000

Annual Fees

Rs.3,000

Condition for waiver of Joining Fees

NA

Condition for waiver of Annual Fees

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 the 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

2.5% on the advance amount, subject to a minimum of Rs.500

Late Payment Charges

1. For dues less than Rs.100 - Nil
2. Rs.100 and Rs.500 - Rs.100
3. Rs.501 to Rs.5,000 - Rs.500
4. Rs.5,001 to Rs.10,000 - Rs.600
5. Rs.10,001 to Rs.25,000 - Rs.800
6. Rs.25,001 to Rs.50,000 - Rs.1,000
7. Amounts exceeding Rs.50,000 - Rs.1,200

Over Limit Charge

Rs.500

Cheque Bounce Charges

A bounce charge of 2% of the bounce amount will be applied, with a minimum charge of Rs.500.

Foreign Currency Mark Up

3.5%

Railway Booking Surcharge (on transaction amount)

A railway booking surcharge of 1.8% to 2.5% on the transaction amount is waived, with a maximum waiver of Rs.500 per year.

Fuel Surcharge

A fuel surcharge of 1% on transactions is waived for transaction values between Rs.500 and Rs.3,000, with a maximum waiver of Rs.3,500 per year.

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

Income proof (For self-employed)

1. Recent ITR (Income Tax Returns)
2. Audited profit and loss statement or balance sheet

Address proof (any one of the following)

1. Passport
2. Telephone bill
3. Aadhaar card
4. Electricity bill
5. Rental agreement
6. Ration card

Income proof (For salaried)

1. Recent salary slips
2. Salary certificate
3. Employment letter

Proof of Identity (any one of the following)

1. Voter's ID card
2. Ration Card
3. PAN Card
4. Passport
5. Driving licence
6. Aadhaar card