Credit Cards · Honest Review

Kotak White Reserve Credit Card

Kotak Mahindra Bank · Visa

₹12,500Annual fee
2.00%Base rate
∞Lounge visits/yr
2%Forex markup
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Your Verdict

Kotak White Reserve Credit Card
Kotak Mahindra Bank · Visa
  • ✓Unlimited domestic and international airport lounge access
  • ✓Complimentary Club Marriott membership with hotel, dining, and spa discounts
  • ✓Two free golf rounds or lessons per month at select global courses
  • ✓Dedicated concierge for travel, dining, and event bookings
  • ✓White Pass rewards scale up to 2.5 lakh value annually
₹12,500/yrAnnual fee
₹12,500
Annual fee
2.00%
Base reward rate
Unlimited
Lounge access
750+
CIBIL score
Our verdict
Kotak's super-premium flagship card for high-net-worth spenders, bundling unlimited lounge access, golf privileges, and concierge services for those who can offset the steep 12,500 fee with 10L+ annual spend.
Fees & charges

What Kotak White Reserve Credit Card costs you

Kotak White Reserve Credit Card carries a ₹12,500 annual fee and a ₹12,500 one-time joining fee. The annual fee is waivable: Spend 10 lakhs or more in the previous year.

FeeAmount
Annual fee (year 2+)₹12,500
Joining fee (one-time)₹12,500
Fee waiver conditionSpend 10 lakhs or more in the previous year
Spend required for waiver₹10,00,000 / year
Foreign transaction fee (forex markup)2% per transaction
Rewards & cashback

What you earn on every rupee spent

Kotak White Reserve Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on travel & flights and other bonus categories listed below.

CategoryReward rate
All other spends (base rate)2.00%
✈️ Travel & Flights3%
3%
Travel & Flights
Welcome bonus

Club Marriott membership and White Pass rewards worth up to 2.5 lakh annually based on spend

Reward types: Points · Lounge · Discounts

Benefits & perks

Beyond the reward rate

The non-reward benefits on Kotak White Reserve Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
Airport lounge access
Domestic lounges — unlimited. International lounges via Priority Pass.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
Eligibility

Who can apply for Kotak White Reserve Credit Card

Kotak White Reserve Credit Card does not have a published minimum income requirement. It is open to salaried employees and self-employed professionals.

750+
CIBIL score
21–65
Age (years)
RequirementDetail
Minimum monthly incomeNot specified
CIBIL score750+ (good to excellent)
Age range21–65 years
Employment typeSalaried, Self-employed
Typical approval time

Invite-based/super-premium card; high income threshold expected though not publicly disclosed by Kotak.

Verdict

Who should (and shouldn't) get Kotak White Reserve Credit Card

✅ Best for
  • → Heavy spenders on travel & flights who want 3% back
  • → Frequent travelers who value airport lounge access
  • → International spenders benefiting from low forex markup
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
  • → Low spenders who won't recover the high annual fee
Frequently asked questions

Kotak White Reserve Credit Card — Questions answered

What is the annual fee for Kotak White Reserve Credit Card?
The annual fee is ₹12,500 from year 2 onwards, with a one-time joining fee of ₹12,500. The fee is waivable: Spend 10 lakhs or more in the previous year.
What is the minimum income required for Kotak White Reserve Credit Card?
There is no officially stated minimum income requirement for Kotak White Reserve Credit Card. A clean credit history and a satisfactory CIBIL score are the primary eligibility criteria.
What is the reward rate on Kotak White Reserve Credit Card for travel & flights?
Kotak White Reserve Credit Card earns 3% on travel & flights with no monthly cap. On all other spends, the base reward rate is 2.00%.
Does Kotak White Reserve Credit Card provide airport lounge access?
Yes — Kotak White Reserve Credit Card includes domestic airport lounge access and international airport lounge access via Priority Pass with unlimited visits.
How do I get the annual fee waived on Kotak White Reserve Credit Card?
The annual fee on Kotak White Reserve Credit Card is automatically waived when you meet the spend threshold: Spend 10 lakhs or more in the previous year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
How long does it take to get Kotak White Reserve Credit Card approved?
Most applications for Kotak White Reserve Credit Card are processed within . Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.