Kotak White Reserve
Annual Fee
₹15,000
Rewards/₹100 ⓘ
₹3.00 - ₹5.00
At a Glance
Key Benefits
Reward points, 2.00% forex markup
Lounge Access
0 domestic + 0 intl lounges/year
Eligibility
Any income level, Age: 21-60 years
Quick Details
Reward Structure
Travel & Hotels
All Other Spends
Reward Calculator
Milestone Benefits
Welcome gift worth Rs 7,500 in lifestyle vouchers.
value
Milestone reward on Rs 4 lakhs annual spend.
Spend ₹4,00,000 within 365 days
value
Fee waiver on Rs 3.5 lakhs annual spend.
Spend ₹3,50,000 within 365 days
value
Airport Lounge Access
visits
+ 4 guest visits
Unlimited via Priority Pass
visits
+ 4 guest visits
Unlimited access
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days of loss/theft.
Fraud
₹0
Zero liability for unauthorized transactions when reported immediately to the bank.
Air Accident
₹2,00,00,000
Air accident cover for travel booked using this card. Subject to terms and conditions.
Purchase Protection
₹2,00,000
Coverage for purchases made with card against theft or damage within 90 days of purchase.
Lifestyle Perks
Concierge
24x7 global concierge service for travel, dining, and lifestyle assistance.
Golf
8 /year
Complimentary golf at leading courses across India.
Spa
4 /year
Complimentary spa treatments at luxury wellness centers.
Dining
15.00% off
15% off at partner dining establishments.
Movies
12 /year
25.00% off
Buy 1 Get 1 movie tickets at select theaters.
Quick Analysis
The Kotak Mahindra Bank Kotak White Reserve is a premium credit card ideal for frequent travelers and high spenders. With rewards up to ₹5.00 per ₹100 and comprehensive lounge access, it offers excellent value for its annual fee. Best suited for those who can maximize the premium benefits.
Pros
- Annual fee waiver on spending ₹1500000
- Good reward rate of up to ₹5.00 per ₹100
- Comprehensive insurance coverage up to ₹2 crore
- Complimentary golf privileges
- Spa and wellness benefits
- Low forex markup of 2.00% - great for international spends
Cons
- High annual fee of ₹15000 may not suit everyone
- Significant joining fee of ₹15000
- High income requirement of ₹4200K per month
Best For
Ultra-HNI customers seeking premium metal card with exclusive experiences
Frequently Asked Questions
What are the fees for Kotak White Reserve Credit Card?
What is the eligibility criteria for Kotak White Reserve Credit Card?
What rewards does Kotak White Reserve Credit Card offer?
Does Kotak White Reserve Credit Card offer airport lounge access?
How can I apply for Kotak White Reserve Credit Card?
User Reviews
Ready to Apply for Kotak White Reserve?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.