Kotak White Reserve Credit Card
4.9/5.0
Updated on August 25, 2026
Overview
Kotak White Reserve Credit Card by Kotak Mahindra Bank provides premium value tailored for Super Premium cardholders.
Rewards
Reward Type
Reward Points
Welcome Benefit
Joining / Welcome Gift: Not listed as a default ₹10,000 White Pass in primary feature overview
Milestone Benefit
White Pass Earning Scale: Milestones from ₹3L to ₹1 Cr: Earn ₹5,000 at ₹3L up to cumulative ₹2,50,000 at ₹1 Cr; Milestone Tiers (PaisaSimple Summary vs Official): Official Bank Table: ₹3L (₹5k), ₹6L (₹11k), ₹10L (₹20k), ₹15L (₹32k), ₹20L (₹45k), ₹30L (₹69k), ₹50L (₹1.23L), ₹75L (₹1.84L), ₹1 Cr (₹2.50L)
Redemption
- • Redemption Partners / Catalog: White Pass catalog (Brands, Flights, Hotels)
- • Transfer to Airline/Hotel partners
- • Cashback (1 White Pass = ₹0.70)
Benefits
- International Airport Lounge Access: Unlimited International lounge access for primary and add-on via Priority Pass / Digital QR
- Guests charged USD 35/visit
- Golf Privileges: 2 complimentary rounds each month at select golf courses across India for the primary cardholder (kotakgolfngo.com)
- Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹7,000
- Max waiver ₹4,500 in a calendar year
Things to Know Before you apply
Kotak White Reserve Credit Card Eligibility Criteria
- Age: 21–60 years
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹12,500 |
| Annual Fee | ₹12,500 |
| Foreign Currency Mark-up Fee | 2% |
PaisaSimple Review
Overall Rating
4.9/5Pros
- • Base Rewards: White Pass Milestone Currency per ₹100 (Earn White Pass worth ₹1,500 up to ₹2,50,000 across milestone spends from ₹2 Lakhs to ₹1 Crore)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions
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Best Suited for
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TravelPremium
Fee Details
Joining Fee
₹12,500
Annual/Renewal Fee
₹12,500
Joining Fee
₹12,500
Annual/Renewal Fee
₹12,500
Joining Fee
₹12,500
Annual/Renewal Fee
₹12,500
Welcome Benefit
- • Joining / Welcome Gift: Not listed as a default ₹10,000 White Pass in primary feature overview
- • Welcome / Activation Voucher Value & Options: Choice of voucher worth ₹12,500 from Luxe gift card, The Postcard Hotels gift voucher, or Yatra gift voucher (₹5,000 for Burgundy Magnus)
- • Complimentary Club Marriott membership for the first year
- • 12,500 Reward Points upon fee realisation and card activation
- • Member's Night (Monday): buy one drink, get a complimentary second drink
- • Member's Day (Tuesday): 50% off food bill and 25% off beverage bill
- • Complimentary spouse membership with card-only benefits
Reward/Cashback Rate
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- • Base Retail Reward Rate: 12 EDGE Reward points per ₹200 on spends up to ₹1.50 Lakhs in a calendar month
- • Monthly Accelerated Spend Tier (> ₹1.5 Lakhs): 35 EDGE Reward points per ₹200 on incremental spends above ₹1.50 Lakhs in a calendar month (capped at card limit + ₹1.50 Lakhs)
- • Travel EDGE Portal Accelerated Rewards: 5X Reward points on spends via Travel EDGE (60 EDGE Reward points per ₹200)
- • Reward Exclusions: Fuel, Wallet reloads, Government payments, Rent, and other specified MCC exclusions
- • 5 Reward Points on every ₹150 retail spend, including insurance, utilities and education
- • Up to 10X Reward Points on travel and shopping spends via SmartBuy
Pros
- • Base Rewards: White Pass Milestone Currency per ₹100 (Earn White Pass worth ₹1,500 up to ₹2,50,000 across milestone spends from ₹2 Lakhs to ₹1 Crore)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
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- • Base Rewards: 5 Reward Points per ₹150 (5 Reward Points on every Rs.150 retail spends including Insurance, Utilities and Education (3.3% base reward rate))
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions
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- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions