Kotak Mahindra Bank · Premium
Kotak White
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Reward rules1 direct
Base rate - everything not covered below
0.00%base rate
0 pts / ₹100
source
Source: Kotak White value chart (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on3 exclusions
Education
earns nothing
Education MCCs excluded from White Pass milestone spends effective 1 Apr 2026.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8220, 8241, 8244, 8249, 8299, 8493, 8494, 7911
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
FASTag recharge, IRCTC (train tickets)
earns nothing
Transportation MCCs excluded from White Pass milestone spends effective 1 Apr 2026.
→ use FIRST Private here (6.6%)
detail & source
merchants: FASTag recharge, IRCTC (train tickets) · MCCs: 4111, 4112, 4784, 4131
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI, cash advances and fees excluded from milestone spends (MITC).
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Kotak MITC (KOTMITC/07/2026 v2, 31 Jul 2026) - kotak.com - read 22 Aug 2026