Kotak White Reserve Credit Card
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Kotak Mahindra Bank

Kotak White Reserve Credit Card

Visa
Premium

Your rating

Community rating

Best for Kotak's ultra-premium — unlimited lounge, 1.5% forex, concierge & golf privileges

Joining Fee

₹12,500

Annual Fee

₹12,500

Reward Rate

1.5% – 2.5%

Forex Markup

2%

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Key Benefits

Milestone-based White Pass rewards worth up to ₹2.5 lakh annually on high spends
1 White Pass = ₹1 redemption value on premium brand vouchers
Unlimited domestic and international airport lounge access for primary & add-on cardholders
Complimentary Priority Pass membership included
Complimentary Club Marriott membership with dining & stay privileges
2 complimentary golf rounds every month worldwide
Low 2% forex markup fee on international spends
1% fuel surcharge waiver on ₹400–₹7,500 fuel transactions
Concierge and luxury lifestyle assistance services included

Rewards

How you earn back on every swipe

points

Reward type

1.5% – 2.5%

Earn rate

₹1

Per point

3 months

Point expiry

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹12,500
Annual fee₹12,500
Fee waiver on annual spend₹10,00,000
Interest-free period51 days
Interest rate (APR)42%
Late payment fee (max)₹1,300
Cash advance fee2.5% (min ₹500)
Forex markup2%
Fuel surcharge waiverYes (₹400–₹7500)

Things to Keep in Mind

  • guest lounge charges after complimentary visits
  • White Pass not credited if multiple active White/White Reserve cards

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65
Min. income₹3,00,000/month
CIBIL score760+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Strong super-premium travel and lifestyle credit card
  • Unlimited lounge access for both primary and add-on users
  • Club Marriott membership adds significant dining and hotel value
  • Low forex markup improves international usability
  • Golf and concierge benefits are genuinely premium
  • White Pass redemption can provide strong value on luxury brands
  • Good option for high spenders seeking lifestyle-focused rewards
  • Premium metal card experience and positioning
Cons
  • Very high annual fee of ₹12,500 + GST
  • Rewards are milestone-based, not regular spend-based
  • Meaningful rewards start only after high annual spends
  • Reward ecosystem is less flexible than Infinia or Atlas
  • No airline/hotel transfer partner ecosystem
  • Best value depends heavily on luxury brand voucher redemption
  • Overkill for moderate spenders
  • Kotak premium ecosystem is less mature than HDFC/Amex premium offerings

Who is this card for?

Ultra-high-net-worth individuals and frequent business travellers who want Kotak's most exclusive card. Best for those spending ₹2 lakh+ per month who value comprehensive lounge access, low forex rates, and premium concierge.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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