Kotak White Reserve Credit Card
Kotak Mahindra Bank
Expert Rating
₹12,500
₹12,500
0.99%
No lounge access
Contents
Kotak White Reserve is a metal, invitation-tier lifestyle credit card offering premium travel and lifestyle benefits. It provides extensive lounge access, luxury partner benefits and milestone rewards tailored for high spenders. Ideal for frequent travellers and premium lifestyle customers.
Features of Kotak White Reserve Credit Card which makes it unique
White Pass
Convertible value system that gives lifestyle credits, certificates and offers
High perceived value on premium spends
Distinct multi-tiered milestone value versus simple RP systems
Club Marriott Membership
Special discounts and certificates for Marriott stays and F&B
Hotel and dining savings across Asia-Pacific
Adds direct hospitality value beyond points
Rewards Structure of Kotak White Reserve Credit Card
Dining
acceleratedSelected restaurants and partner outlets
Premium F&B offers and certificates through Club partnerships
Travel
baseMilestone spends and partner bookings
Includes Club Marriott benefits and hotel discounts across Asia-Pacific
Base
baseAll merchants
Base reward rate applies on all spends
Milestones of Kotak White Reserve Credit Card
Quarterly Milestone
₹50,000 : White Pass value and dining certificates
Annual Milestone
₹1,000,000 : Higher White Pass accrual and potential fee waiver
Fees & Charges of Kotak White Reserve Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹12,500 |
| Annual Fee | ₹12,500 |
| Forex Markup Fee | 0.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,500 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waiver available on meeting specified high annual spends (refer bank terms).
Fee Explanation Fees shown are typical bank charges; refer to Kotak Mahindra Bank fees & charges for exact, up-to-date amounts.
Lounge Access Benefits with Kotak White Reserve Credit Card
international Lounges
platinumVisits per year: 0
Guest access: Yes
International lounge validation charge of USD 1 debited and auto-reversed; enable international transactions
domestic Lounges
goldVisits per year: 0
Guest access: Yes
Domestic lounge validation charge of ₹2 per visit at some lounges
Additional Features of Kotak White Reserve Credit Card
Contactless Payments
Tap-and-pay enabled for supported terminals
Add-on Cards
Add-on cards available subject to bank rules
Welcome Bonus with Kotak White Reserve Credit Card
Welcome Bonus: Complimentary White Pass benefits worth up to ₹27,000.
Bonus Conditions: White Pass benefits and certificates are awarded on meeting milestone spends; specific terms apply as per Kotak Mahindra Bank.
Application Process for Kotak White Reserve Credit Card
Processing Time
7-14 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Kotak Mahindra Bank website or invite-based process
Upload KYC and income documents
Complete verification and receive approval
Card dispatched as per bank timelines
Required Documents for Kotak White Reserve Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Kotak White Reserve Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India at Visa-enabled merchants
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Kotak White Reserve Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹100,000
Minimum annual income
Self-Employed Applicants
₹125,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required; eligibility subject to bank verification and regulatory checks.
How Approval Is Decided
- Minimum age 21
- High-income requirement and strong credit score
- Indian resident and valid KYC documents
Pros of Kotak White Reserve Credit Card
- Premium travel and lifestyle benefits
- Unlimited lounge access for primary and add-on (per bank terms)
- High-value partner certificates and milestone rewards
Cons of Kotak White Reserve Credit Card
- High joining and annual fees
- Requires very high annual spend to fully offset fees
- Some benefits require milestone spends or partner bookings
Frequently Asked Questions about Kotak White Reserve Credit Card
Who is eligible to apply?
Eligibility typically requires age ≥21, strong credit profile and high income; exact criteria are subject to bank verification and current offers.
Is there a joining fee?
Yes. The joining fee is ₹12,500 + GST (subject to change). Check bank terms for exact current amount.
How can I get the annual fee waived?
Annual fee waivers are typically available on meeting very high previous-year or current-year spends; confirm exact thresholds with Kotak Mahindra Bank.
What is White Pass?
White Pass is Kotak's value system for this card that awards certificates, partner discounts and lifestyle credits as you hit milestone spends.
Do I get airport lounge access?
Yes — the card provides lounge access at domestic and international lounges; validation charges apply (USD 1 for international visits, INR 2 for domestic), often auto-reversed per bank policy.
What are the forex charges?
Kotak White Reserve promotes a low forex markup; review the bank's fees page for the exact current forex markup percentage.
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