Kotak White Reserve Credit Card

Kotak White Reserve Credit Card is a premium category credit card that offers unlimited international and domestic airport lounge access, an annual White Pass value up to Rs. 2.5 Lakhs, complimentary Club Marriott Membership, and much more.

• Earn White Pass value up to Rs. 2.5 Lakhs annually on crossing spend milestones.
• Curated redemption catalogue that includes gift vouchers of premium brands, flights, hotels, etc.
• White Pass balance redeemable for cashback.
• Access to the most exclusive global events and experiences.
• This is one of the most popular Kotak Credit Cards that offers Club Marriott Membership.
  • Up to 25% off on the food & beverages bill at participating restaurants in India and up to 20% off across Asia Pacific. Valid for up to 10 guests (except Sunday brunches).
  • Up to 20% off on the Best Available Rate of rooms in India as well as Best Weekend Rate of rooms available in Asia Pacific.
  • Up to 20% off on select spa treatments in India.
  • 1 Celebration Certificate offering 50% off on food & 30% off on beverage bills. Valid for up to 10 guests at all-day dining restaurants in India.
  • 2 complimentary Certificates offering 30% off on the best available Rate for 2-night stays (each), in India.
• 1% fuel surcharge waiver (maximum Rs. 4,500 in a calendar year) at all petrol pumps in India on transactions between Rs. 400 and Rs. 7,500. 
• This is one of the Best Travel Credit Cards that offers unlimited international airport lounge access for primary and add-on cardholders, powered by Priority Pass. 
• Unlimited domestic airport lounge access for primary and add-on cardholders.
• Luxury concierge service.
• 2 complimentary tee-offs per month at some of the finest golf courses in India and across the world. 
• 2% foreign currency transaction markup.
• Joining fee: Rs. 12,500. 
• Annual fee: Rs. 12,500; waived on annual retail spends of Rs. 10,00,000. For more information, please check the Credit Card Fee Waiver Guide.

Below are the fees and charges associated with the Kotak White Reserve Credit Card:

• Joining fee: Rs. 12,500. 
• Annual fee: Rs. 12,500; waived on annual retail spends of Rs. 10,00,000. 
• Add-on card issuance fee: Waived.
• Interest charges: 3.50% monthly (42% annually).
• Cash advance fee: 2.5% on advance amount (minimum Rs. 500).
• Late payment charges: Up to Rs. 1,300 (depends on outstanding balance amount).
• Over limit charges: Waived.
• Cheque return fee: 2% on the bounce amount (minimum Rs. 500).
• SI failure/ auto-debit return fee: 2% on the bounce amount (minimum Rs. 450 & maximum Rs. 5,000).
• Foreign currency transaction markup/ dynamic currency conversion fee: 2%.
• Image card fee: Rs. 99 or Rs. 199 per image card.
• Credit limit increase processing fees: Rs. 100.
• Goods & Services Tax (GST): Applicable on all charges at the current rate.

There are many reasons to choose the Kotak White Reserve Credit Card, including:

• If you want Airport Lounge Credit Cards, this card offers unlimited international and domestic airport lounge access for primary and add-on cardholders.
• Club Marriott Membership applicable across 350 hotels and 1000 restaurants in Asia Pacific.
• White Pass value up to Rs. 2.5 Lakhs annually on crossing spend milestones.
• White Pass balance redeemable for cashback.
• Access to the most exclusive global events and experiences.
• If you are looking for Fuel Surcharge Waiver Credit Cards, this one offers 1% fuel surcharge waiver (maximum Rs. 4,500 in a calendar year) at all petrol pumps in India on transactions between Rs. 400 and Rs. 7,500. 
• You can convert purchases above Rs. 2,500 into easy monthly instalments via Net Banking, Mobile Banking app, or by calling customer care. For more details, check the Credit Card EMI Guide.
• Luxury concierge service.
• 2 complimentary tee-offs per month at some of the finest golf courses in India and across the world. 
• Annual fee of Rs. 12,500 waived on annual retail spends of Rs. 10 Lakhs.

You can apply for the Kotak White Reserve Credit Card online by following the steps mentioned below:

• Visit the official Kotak Mahindra Bank website and open the Credit Cards page.
• Search for the Kotak White Reserve Credit Card and apply for the card.
• Fill out the application by mentioning all the required details (personal, professional, and income).
• Upload the copies of required KYC and income documents.
• Complete the VKYC verification when instructed to submit your application.

You will need the following documents to apply for the Kotak White Reserve Card:

• Identity proof: PAN Card (mandatory) and Passport/ Aadhaar Card/ Voter ID/ Driving Licence.
• Address proof: Passport/ Aadhaar Card/ Utility Bill (not older than 3 months)/ Registered Rental or Lease Agreement.
• Income proof for salaried applicants: Last 3 months' Salary Slips and Bank Statements with salary credits, and Form 16/ latest ITR.
• Income proof for self-employed applicants: Audited Financial Reports for the last 2 years and ITR.

White Pass is the reward point earned on reaching spend milestones within your Kotak White Reserve Credit Card anniversary cycle. It can be redeemed via Kotak Unbox.

• You can earn up to Rs. 2,50,000 White Pass under Kotak White Reserve Credit Card Reward Programs through the following ways:
  • Rs. 3,000 White Pass on achieving a spend milestone of Rs. 3 Lakhs.
  • Rs. 15,000 White Pass on achieving a spend milestone of Rs. 10 Lakhs.
  • Rs. 22,000 White Pass on achieving a spend milestone of Rs. 20 Lakhs.
  • Rs. 24,000 White Pass on achieving a spend milestone of Rs. 30 Lakhs.
  • Rs. 26,000 White Pass on achieving a spend milestone of Rs. 40 Lakhs.
  • Rs. 28,000 White Pass on achieving a spend milestone of Rs. 50 Lakhs.
  • Rs. 63,000 White Pass on achieving a spend milestone of Rs. 75 Lakhs.
  • Rs. 67,000 White Pass on achieving a spend milestone of Rs. 1 Crore.
• 1 White Pass = Rs. 1 for all options on White Pass catalogue (except cashback)
• 1 White Pass = Rs. 0.70 for cashback
• Earned White Passes will be valid for 15 months from the date of credit. 
• You can redeem your White Pass balance for gift vouchers of premium brands, flights, hotels, cashback, and transfer to airline & hotel partners.
• To redeem White Pass, you have to log in to the Kotak Mobile app, select the offerings you want to redeem your White Pass for and redeem your points. Once redemption is complete, you will receive a confirmation via email and SMS with the details of the redemption.

Pros

• Club Marriott Membership.
• White Pass balance redeemable for cashback.
• Access to the most exclusive global events and experiences.
• 1% fuel surcharge waiver. 
• This is one of the best Credit Cards with Priority Pass that offers unlimited international and domestic airport lounge access for primary and add-on cardholders.
• Luxury concierge service.
• 2 complimentary tee-offs per month at some of the finest golf courses in India and across the world. 
• Annual fee waiver on annual retail spends of Rs. 10 Lakhs.
• Lower foreign currency markup fee of 2% on international transactions 

Cons

• White Pass value up to Rs. 2.5 Lakhs annually can be unlocked on crossing heavy spend milestones.
• No welcome benefits.
• High joining and annual fees with high fee waiver threshold.
• Very limited savings or reward multipliers for everyday online shopping, entertainment, or groceries.

Below are the basic Kotak White Reserve Credit Card eligibility criteria:

• Age of primary credit card holder: 28 to 60 years.
• Add-on cardholder’s age: 18 years or above
• Citizenship: Indian resident.
• Location: Chennai, Chandigarh, Ahmedabad, Bangalore, Hyderabad, Pune, Delhi (including Noida and Gurgaon), Kolkata, and Mumbai.
• Income: Rs. 25 Lakhs and above per annum.
• Credit score: Preferably 700 or above. 
• Existing card: You can hold only one active White/ White Reserve credit card at a time.