Kotak White Reserve Credit Card
Kotak Mahindra Bank
Last verified: 23 Sept 2026
Reward Program
Redemption fee: 0
Managed via Kotak Mobile Banking app / Kotak Unbox
Transfer partners
Live Offers
20 activeBenefits
Lounge Access
999 domestic visits/quarter
999 international visits/quarter
Unlimited complimentary lounge access at 1,000+ airports worldwide for the primary cardholder and all add-on cardholders. With effect from 1 October, guest charges and charges after complimentary visits are exhausted are $35 per guest per visit.
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹400 and ₹7,500, capped at ₹4,500 in a calendar year.
Annual Benefit
White Pass value earned on crossing spend milestones, up to ₹2.5 lakh a year
The card's entire earning proposition is the White Pass milestone structure: direct rupee value credited on crossing spend thresholds, up to ₹2.5 lakh a year. Kotak does not publish the threshold table on the pages captured here, so annual_benefit_value is 0 rather than 250000 — the ₹2.5 lakh is a ceiling reached at an unpublished level of spend, not a benefit delivered on renewal. See _data_quality_notes.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹12,500/yr |
| Renewal Fee | ₹12,500/yr |
| Fee Waiver | Spend ₹10,00,000/year |
| Forex Markup | 2% |
| Interest Rate | 42% p.a. |
| Cash Advance Fee | 2.5% of the advance amount, subject to a minimum of ₹500. |
| Reward Redemption Fee | 0 |
