Kotak White Reserve Credit Card
Best for high spenders wanting milestone value and unlimited lounges; metal card, golf, Club Marriott. Milestone-based White Pass Value credited on annual spend thresholds from Rs 3 lakh to Rs 1 crore; redeem 1:1 for catalogue/flights/hotels or 0.70:1 as cashback
Terms as of 2026-09-28 · Checked 28 September 2026Kotak White Reserve Credit Card at a glance
Who it suits: High spenders wanting milestone value and unlimited lounges; metal card, golf, Club Marriott
Rewards & cashback
| Details | |
|---|---|
| How you earn | Milestone-based White Pass Value credited on annual spend thresholds from Rs 3 lakh to Rs 1 crore; redeem 1:1 for catalogue/flights/hotels or 0.70:1 as cashback |
| Caps & exclusions | Up to Rs 2.5 lakh White Pass Value per year |
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | Unlimited lounge access at 1,000+ airports (Priority Pass + domestic) for primary and add-on |
| Fuel surcharge | 1% waiver on Rs 400-7,500 transactions, max Rs 4,500/year |
| Forex markup | 2.00% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹12,500 + GST |
| Annual / renewal fee | ₹12,500 + GST |
| Fee waiver | Annual fee waived on Rs 10 lakh annual retail spends |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-65 (add-on 18+) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
Frequently asked questions
What is the annual fee of the Kotak White Reserve Credit Card?
Joining fee ₹12,500 and annual fee ₹12,500 (plus 18% GST). Annual fee waived on Rs 10 lakh annual retail spends.
What rewards does it offer?
Milestone-based White Pass Value credited on annual spend thresholds from Rs 3 lakh to Rs 1 crore; redeem 1:1 for catalogue/flights/hotels or 0.70:1 as cashback Caps/exclusions: Up to Rs 2.5 lakh White Pass Value per year
Does it give airport lounge access?
Unlimited lounge access at 1,000+ airports (Priority Pass + domestic) for primary and add-on
What is the forex markup?
2.00% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹2,360.
Is the Kotak White Reserve Credit Card good for me?
Best for: High spenders wanting milestone value and unlimited lounges; metal card, golf, Club Marriott. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-09-28. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Kotak Mahindra Bank’s website before applying. FinancePortal is not affiliated with the issuer.