Kotak White Reserve Credit Card

Name: Kotak White Reserve Credit Card
Brand: Kotak Mahindra Bank

Kotak Mahindra Bank • Metal premium card with milestone White Pass value and unlimited lounges

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White Reserve is a metal, high fee card whose value depends on crossing large annual spend milestones for White Pass credit. Lounge access, Club Marriott and golf raise the value for frequent travellers who spend heavily. At lower annual spends, the ₹12,500 fee is hard to recover.

Annual Fee (+ 18% GST)₹12,500 (₹14,750 incl. GST)

Fee WaiverAnnual fee waiver on annual retail spends of ₹10,00,000

Joining PerkNo separate welcome gift is stated; White Pass milestone value starts at ₹5,000 on annual spends of ₹3,00,000 and rises with higher milestones

Primary RewardWhite Pass value on spend milestones, up to ₹2,50,000 in a year at ₹1,00,00,000 of spends; 1 White Pass is ₹1 on the catalogue and ₹0.70 for cashback as stated by Kotak

Airport Lounge AccessUnlimited complimentary lounge access at 1,000 plus airports worldwide for primary and add on cardholders; guest charges apply as stated by Kotak

Forex Markup2% + 18% GST

RuPay UPIYes — RuPay UPI enabled

Best ForHigh spenders who can cross large White Pass milestones and use Marriott, golf and unlimited lounge benefits

What We Like

Unlimited lounge access for primary and add on cardholders as stated by Kotak
White Pass value can reach ₹2,50,000 at the top milestone stated by Kotak
Low 2% foreign currency markup for a premium card

Watch Out

Annual fee of ₹12,500 plus GST needs ₹10,00,000 of annual retail spend for a waiver
Best White Pass value needs very high annual spends
Guest lounge visits are chargeable as stated by Kotak

MITC & Hidden Charges

Annual fee ₹12,500 plus GST; total with 18% GST is ₹14,750. Other charges as per the issuer's MITC.

Kotak White Reserve Credit Card FAQs

What is the White Reserve annual fee and waiver?

Kotak states joining and annual fees of ₹12,500, with the annual fee waivable on annual retail spends of ₹10,00,000.

Does White Reserve have a RuPay option?

The official Kotak White Reserve page asks users to contact customer care or their relationship manager for the RuPay variant during issuance or renewal, so a RuPay variant is confirmed officially. UPI use depends on that RuPay variant being issued.