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Kotak White Reserve Credit Card
Kotak's top-of-house metal super-premium card, replacing the now-discontinued Royale Signature as Kotak's flagship for high-net-worth travel and lifestyle spend. Rewards run through a milestone-based "White Pass" system rather than a simple flat percentage, so its real value depends heavily on hitting spend tiers.
Annual fee
₹12,500
Joining fee
₹12,500
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Complimentary Club Marriott membership, with up to 25% off food & beverage bills at Marriott restaurants in India (up to 20% across Asia Pacific)
- Rewards rate: 1% base rate
- Domestic lounge access: Unlimited complimentary domestic airport lounge access at 1,000+ lounges worldwide, for primary and add-on cardholders
- International lounge access: Unlimited complimentary international airport lounge access at 1,000+ lounges worldwide, for primary and add-on cardholders
- Golf: 2 complimentary golf rounds every month at select golf courses
Benefits by category
- 🍽️ Dining & food delivery
Complimentary Club Marriott membership, with up to 25% off food & beverage bills at Marriott restaurants in India (up to 20% across Asia Pacific) · Concierge services for curated travel experiences, dining reservations and event access
- ✈️ Travel
Unlimited complimentary airport lounge access at 1,000+ lounges worldwide, for both primary and add-on cardholders
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400–₹7,500, capped at ₹4,500 per year
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,00,000
- Foreign currency markup: 2%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400–₹7,500, capped at ₹4,500 per year
Benefits
- Unlimited complimentary airport lounge access at 1,000+ lounges worldwide, for both primary and add-on cardholders
- 2 complimentary golf rounds every month at select golf courses
- Complimentary Club Marriott membership, with up to 25% off food & beverage bills at Marriott restaurants in India (up to 20% across Asia Pacific)
- Concierge services for curated travel experiences, dining reservations and event access
- 1% fuel surcharge waiver on transactions between ₹400–₹7,500, capped at ₹4,500 per year
- "White Pass" tiered spend-milestone system worth up to ₹2,50,000 in redeemable value annually
Pros
- + Genuinely unlimited global lounge access, not visit-capped
- + Low 2% forex markup for international spend
- + Club Marriott membership and monthly golf are strong lifestyle perks
Cons
- − Very high ₹12,500 fee with a steep ₹10L waiver threshold
- − Reward value depends on hitting White Pass spend milestones rather than a transparent flat rate
- − Kotak does not publish a simple per-rupee earn rate for this card
Best for
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