Kotak White Reserve Credit Card
The Kotak White Reserve Credit Card is a super premium credit card from Kotak Mahindra Bank, with a joining fee of ₹3,000 + GST.
It earns up to 3% on international spend spends in the form of cashback.
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus 3,000 whites pass as a welcome benefit.
- Joining Fee₹3,000
- Annual Fee₹3,000
- Best Suited ForTravel
- Reward TypeCashback
- 3% on international spend
- Base 1.50% on other spends
- 3,000 Whites Pass
Kotakworldsuper premiumRewards and Benefits
- air accident: ₹1,50,00,000
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.5% = ₹225/mo
- Groceries₹8,000 · 1.5% = ₹120/mo
- Dining & food delivery₹8,000 · 1.5% = ₹120/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.5% = ₹150/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
₹7,380 rewards − ₹3,000 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- super premium card issued by Kotak Mahindra Bank.
- Joining / annual fee of ₹3,000 + GST, waived on annual spends of ₹7,50,000.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
- Insurance cover bundled: air accident.
Pros & Cons
- Annual fee waivable on ₹7,50,000 spend.
- Strong base reward rate of 1.50%.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Accelerated earn worth ≈3.0% on international spend.
- No rewards on fuel spends.
₹3,000 welcome benefit
- 3,000 Whites PassJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 3% on international spend
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
Airport lounge access
Insurance benefits
- air accident: ₹1,50,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹3,500 per annual.
Sources
- : www.kotak.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 780+
- Income (salaried)
- ₹30,00,000 p.a.
- Income (self-employed)
- ₹30,00,000 p.a.