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Last updated: 28 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to ₹2.5 Lakh White Pass value annually
Rewards are purely milestone-based. Earn White Pass value directly upon crossing annual retail spend milestones starting from ₹3 Lakh up to ₹1 Crore. Accumulate a maximum of ₹2.5 Lakh in White Pass value per year.
Redeem for
The privileges that come bundled in, beyond the reward points.
Unlimited Lounge Access: Unlimited complimentary domestic and international airport lounge visits (via Priority Pass) for both primary and add-on cardholders
Club Marriott Membership: Up to 25% off on F&B at select hotels in India
20% off on weekend room rates across Asia Pacific, and complimentary dining/stay certificates
Golf Privileges: Up to 24 complimentary golf rounds annually (capped at 2 per month) at select golf courses worldwide
Luxury Concierge: 24/7 dedicated lifestyle management for personalized gifting, global event access, and curated travel bookings
Fee Waiver: The annual renewal fee of ₹12,500 is waived upon achieving annual retail spends of ₹10 Lakh
An honest read on where this card earns its keep — and where it doesn't.
Unlimited global airport lounge access for primary and add-on cardholders
Excellent milestone-based rewards offering high value-back for heavy spenders
Complimentary Club Marriott membership yields significant luxury dining and stay savings
Low 2% forex markup fee makes it suitable for international travel
Exquisitely crafted metal card design
Very steep annual fee of ₹12,500 plus taxes
No standard spend-based reward points; benefits unlock only after hitting high milestones
Requires massive annual spends (₹10 Lakh) to waive the renewal fee
Lacks direct airline/hotel transfer partners compared to competitor premium cards
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Kotak Mahindra Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Kotak White Reserve Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Kotak White Reserve Credit Card fees, reward conversion, lounge access, and application eligibility.
Kotak White Reserve Credit Card has an annual fee of ₹12,500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome benefit of a ₹10,000 voucher (brands like Tanishq or Thomas Cook) on joining, plus complimentary Club Marriott membership.".
Kotak White Reserve Credit Card earns White Pass at a primary rate of Up to ₹2.5 Lakh White Pass value annually. Specifically, Rewards are purely milestone-based. Earn White Pass value directly upon crossing annual retail spend milestones starting from ₹3 Lakh up to ₹1 Crore. Accumulate a maximum of ₹2.5 Lakh in White Pass value per year.. Spends in Super Premium, Lifestyle, Travel categories provide the maximum valueback per transaction on this card.
Yes, because Kotak White Reserve Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on Kotak White Reserve Credit Card can be redeemed for Premium Brand Gift Vouchers (1 WP = ₹1), Flights & Hotels (1 WP = ₹1), Curated Travel Experiences (1 WP = ₹1), Statement Cashback (1 WP = ₹0.70) via Kotak Mahindra Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
Yes, Kotak White Reserve Credit Card features complimentary airport lounge privileges. Privileges include: "Unlimited Lounge Access: Unlimited complimentary domestic and international airport lounge visits (via Priority Pass) for both primary and add-on cardholders". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 760 or above is strongly recommended for approval of Kotak White Reserve Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Kotak White Reserve Credit Card levies a forex markup fee of 2.0% of the transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Kotak White Reserve Credit Card currently features a welcome offer: "Welcome benefit of a ₹10,000 voucher (brands like Tanishq or Thomas Cook) on joining, plus complimentary Club Marriott membership.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Unlimited global airport lounge access for primary and add-on cardholders and Excellent milestone-based rewards offering high value-back for heavy spenders. However, keep in mind that Very steep annual fee of ₹12 and 500 plus taxes. Overall, Kotak White Reserve Credit Card delivers strong value if your regular spending aligns with Super Premium, Lifestyle, Travel.
You can apply for Kotak White Reserve Credit Card directly through Kotak Mahindra Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
