Kotak White Credit Card

2 domestic visits/quarter

1 international visits/quarter

8 complimentary domestic lounge visits a year at select Indian airports, capped at 2 per quarter, and 4 complimentary international visits a year through Priority Pass. The card also carries an annual Priority Pass membership worth $99, giving VIP access to 1,300+ lounges across 148 countries. No spend gate on either programme.

1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹500 and ₹7,500, capped at ₹3,500 in an anniversary year.

Reward Point value of ₹1,500

Earned on spending ₹30,000 within 60 days of card set-up.

Up to ₹27,000 of Reward Point value a year on annual spends of ₹12 lakh, earned across five spend milestones

There is no flat renewal benefit. All recurring value comes from the five spend milestones, which are recorded in the milestones array rather than here, so annual_benefit_value is 0 to avoid double counting. The milestone balance resets to zero on each card anniversary and remains claimable for a further 90 days after the anniversary cycle ends.