Kotak White Reserve Credit Card
Updated 15 Apr 2026Source-linked
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 6% back on international spend spends in the form of cashback.
Cardholders get 8 annual domestic + 12 annual international airport lounge access, plus 3,000 whites pass as a welcome benefit.
Kotak White Reserve Credit Card
- Joining Fee₹3,000
- Annual Fee₹3,000
- Best Suited ForTravel
- Reward TypeCashback
Rewards Rate
- 6% on international spend
- Base 1.50% on other spends
Welcome Benefits
- 3,000 Whites Pass
Kotakworldsuper premiumRewards and Benefits
Rewards Rate
6% on international spend
Base 1.50% on other spends.
Reward Redemption
Whites Catalogue: Whites Pass redeemable on curated lifestyle catalogue.
Welcome Benefits
3,000 Whites Pass
Milestone Rewards
N/A
Domestic Lounge Access
8 visits each annual.
International Lounge Access
12 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
2 round(s) / monthly.
Insurance Benefits
- air accident: ₹1,50,00,000
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹7,50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000, capped at ₹3,500 per annual.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
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 (8/annual) + international (12/annual).
- Insurance cover bundled: air accident.
Pros & Cons
Pros
- 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 rate of 6% on international spend.
Cons
- No rewards on fuel spends.
₹3,000 welcome benefit
- 3,000 Whites PassJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 6% 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
Domestic
8 visit(s) / annual. Via mastercard, dreamfolks.
International
12 visit(s) / annual. Via priority-pass.
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.com · retrieved 15 Apr 2026
Last verified 15 Apr 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.