Kotak White Reserve Credit Card
Updated on August 25, 2026
🎖️Reward Rate
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)
Overview
Kotak White Reserve Credit Card by Kotak Mahindra Bank provides premium value tailored for Super Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • 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)
- • Accelerated Rewards: White Pass currency with 1:1 INR redemption value across luxury lifestyle, hotel, flight, and curated retail partners
- • Excluded Categories: Fuel, Wallet loads, Rent
Welcome Benefit
White Pass worth ₹10,000 upon payment of joining fee and spend of ₹30,000 within first 60 days; Qualification Criteria: Payment of joining fee and ₹30k spend within 60 days; Fulfillment Timeline: 30 days post criteria completion
Milestone Benefit
Spend ₹10 Lakhs (Annual): Annual renewal fee waiver of ₹12,500 + White Pass worth ₹25,000; Spend ₹20 Lakhs (Annual): Additional White Pass worth ₹50,000; Annual Fee Waiver: Spend ₹10,00,000 or more in preceding 12 months for fee waiver
Redemption
- • Redeem White Pass 1:1 on curated White Pass catalog (Taj Hotels, Oberoi, Apple, Flight Bookings, Luxury gift cards)
- • 1 White Pass = ₹1.00
Benefits
- Domestic Airport Lounge: Unlimited per year for primary and add-on cardholders via Visa / Mastercard Domestic Lounge (Guest Access: Complimentary guest access included)
- International Airport Lounge: Unlimited per year via Priority Pass via Priority Pass (Guest Access: Complimentary guest visits included)
- Fuel Surcharge Waiver: 1% (Max waiver ₹500 per month)
- Unlimited Golf & Global Luxury Concierge: Unlimited complimentary golf rounds and golf lessons at championship golf courses in India and abroad. (24x7 personal concierge desk for luxury travel and dining) [Partners: Golftripz, White Reserve Concierge]
Things to Know Before you apply
Kotak White Reserve Credit Card Eligibility Criteria
- Age: 21–65 years
- Invite-only for Kotak Private Banking clients / Net worth > ₹5 Crore
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹12,500 |
| Annual Fee | ₹12,500 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | 2.5% of withdrawn amount (min ₹500) |
Fee waiver: Spend ₹10,00,000 or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
Kotak White Reserve Credit Card issued by Kotak Mahindra Bank is one of India's leading credit cards for Super Premium spends, featuring competitive reward earning and verified travel perks.
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
Cons
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions
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- • White Pass worth ₹10,000 upon payment of joining fee and spend of ₹30,000 within first 60 days
- • Qualification Criteria: Payment of joining fee and ₹30k spend within 60 days
- • Fulfillment Timeline: 30 days post criteria completion
- • Choice of luxury welcome voucher worth ₹12,500 (Luxe gift card, The Postcard Hotels voucher, or Yatra flight voucher)
- • Qualification Criteria: Payment of joining fee within 30 days
- • Fulfillment Timeline: 30 days post fee payment
- • Complimentary Club Marriott membership for first year + Welcome benefit of 12,500 Reward Points upon fee realization and card activation.
- • Qualification Criteria: Payment of joining fee & card activation
- • Club Marriott: Up to 50% dining & stay discount across Asia-Pacific
- • Member Night (Monday): Buy 1 drink, get complimentary 2nd drink
- • Member Day (Tuesday): 50% off food bill & 25% off beverage bill
- • Renewal benefit: 12,500 Reward Points upon renewal fee realization
- • Fulfillment Timeline: Credited within 30-45 working days post fee realization
- • 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)
- • Accelerated Rewards: White Pass currency with 1:1 INR redemption value across luxury lifestyle, hotel, flight, and curated retail partners
- • Excluded Categories: Fuel, Wallet loads, Rent
- • Base Rewards: 12 EDGE Reward Points per ₹200 (12 EDGE Reward Points per ₹200 on standard retail spends)
- • Accelerated Rewards: 35 EDGE Reward Points per ₹200 (5.8% return) on Travel EDGE bookings. 5:2 airline/hotel miles transfer ratio (5:4 for Burgundy Magnus).
- • Excluded Categories: Fuel, Wallet loads, Government payments, Rent
- • 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))
- • Accelerated Rewards: Earn up to 10 times (10X) Reward Points on travel and shopping spends on SmartBuy
- • Excluded Categories: Fuel, Rental Transactions (MCC 6513) & 1% Surcharge, Prepaid Wallet Loads
- • 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
- • Base Rewards: 12 EDGE Reward Points per ₹200 (12 EDGE Reward Points per ₹200 on standard retail spends)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • 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
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions