M16S / Kotak Mahindra Bank / Kotak White Reserve Credit Card
super-premium · rewards, travel
Kotak White Reserve Credit Card
The Kotak White Reserve Credit Card costs Rs 12,500 a year, waived if you spend Rs 10,00,000 in a year. It earns No per-rupee earn. White Pass credited at annual spend milestones.. The forex markup is 2%. Lounge visits in India: Unlimited for primary and add-on. Abroad: Unlimited for primary and add-on (1,000+ airports). Read from the issuer's own documents on 31 Oct 2026.
- Annual fee
- Rs 12,500+ GST
- Fee waived at
- Rs 10,00,000annual spend
- Base return
- —
- Forex markup
- 2%
- Interest
- 3.5%a month
Apply on kotak.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 12,500 |
|---|---|
| Annual fee | Rs 12,500 |
| Annual spend that waives the fee | Rs 10,00,000 |
| Fee notes | Rs 12,500 joining and annual; annual waived on Rs 10 lakh retail spend in a year. Programme-linked free variants exist for Privy League / Private Banking clients. |
Rewards
| Reward currency | White Pass (milestone value, not per-transaction points) |
|---|---|
| Base earn | No per-rupee earn. White Pass credited at annual spend milestones. |
| Point value | 1 White Pass = Rs 1 on catalogue vouchers, flights, hotels and partner transfers; Rs 0.70 as cashback |
| Accelerated earn | Milestones per anniversary year (cumulative White Pass): Rs 3L 5,000; 6L 11,000; 10L 20,000; 15L 32,000; 20L 45,000; 30L 69,000; 40L 95,000; 50L 1,23,000; 75L 1,86,000; 1Cr 2,50,000 |
| Caps | Maximum White Pass value Rs 2.5 lakh a year (at Rs 1 crore spend). Nothing earned below Rs 3 lakh. |
| Spends that earn nothing | Excluded MCCs are in the linked MCC list (not read). Not credited if the customer holds more than one active White / White Reserve card. |
| Points expiry | 15 months from date of credit |
| Milestone benefits | See White Pass milestones |
| Reward notes | Effective return is stepwise: 1.67% at exactly Rs 3L, 2.0% at 10L, 2.25% at 20L, 2.5% at 1Cr; spend between steps earns nothing extra. base_return_pct left null because there is no base rate. |
Travel and perks
| Domestic lounge | Unlimited for primary and add-on |
|---|---|
| International lounge | Unlimited for primary and add-on (1,000+ airports) |
| Lounge conditions | Guest visits charged USD 35 per guest per visit once complimentary guest visits are used; number of free guest visits not stated |
| Forex markup | 2% |
| Fuel surcharge waiver | 1% on Rs 400-7,500 txns, cap Rs 4,500 per anniversary year |
| Other freebies | 2 golf rounds a month (primary only); luxury concierge; Club Marriott membership (up to 25% off F&B, 20% off rooms in India) |
Charges and eligibility
| Interest per month | 3.5% |
|---|---|
| Late payment fee | By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300 |
| Cash advance fee | 2.5% min Rs 500 |
| Eligibility | Not stated on issuer page |
| Fine-print notes | White Pass page says it can be transferred to airline and hotel partners, but names and ratios were not found. No overlimit, rent, utility, fuel or wallet surcharges on this card per MITC. |
Questions
- What is the annual fee of the Kotak White Reserve Credit Card?
- Rs 12,500 a year, before GST. It is waived if you spend Rs 10,00,000 in a year.
- Does the Kotak White Reserve Credit Card give airport lounge access?
- Yes. In India: Unlimited for primary and add-on. Outside India: Unlimited for primary and add-on (1,000+ airports). Conditions: Guest visits charged USD 35 per guest per visit once complimentary guest visits are used; number of free guest visits not stated
- What is the forex markup on the Kotak White Reserve Credit Card?
- 2% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Kotak White Reserve Credit Card?
- Excluded MCCs are in the linked MCC list (not read). Not credited if the customer holds more than one active White / White Reserve card.