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Kotak Mahindra Bank
Kotak White Reserve Credit Card
Visa
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.
Rates and fees last verified 14 September 2026.
Annual fee
₹12,500
Joining fee
₹12,500
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Super-premium
Eligibility
- Minimum credit score: 750
- Employment: salaried, self-employed
- Age: 21–65
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
Applying takes you to Kotak Mahindra Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.