Kotak Mahindra Bank White Reserve
Premium RuPay metal card with ₹12,500 annual fee, unlimited airport lounge access, and White Pass rewards of up to ₹2.5L per year — available only via relationship manager or customer care.
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Fees
Waiver: Waived on annual retail spend of ₹10,00,000 or more (per Kotak's official fees page; one industry write-up cites ₹12,00,000 instead — the bank's own page is treated as authoritative here).
Eligibility
Min. CIBIL Score: 750+
Age: 21–65 yrs
Employment: salaried, self employed, business owner
Rewards
all other1% cashback(cap ₹2,50,000 cashback/yr)
Perks
- ✓Domestic lounge access: unlimited/yrUnlimited complimentary access at 1000+ airports worldwide for primary and add-on cardholders; a per-guest charge (reported around $35) may apply for accompanying guests
- ✓International lounge access: unlimited/yrUnlimited complimentary access at 1000+ airports worldwide for primary and add-on cardholders; a per-guest charge (reported around $35) may apply for accompanying guests
- ✓Fuel surcharge waiver: 1%Applies to fuel transactions between ₹400–₹7,500; maximum waiver of ₹4,500 per calendar year
- ✓Forex markup: 2%
- ✓Concierge service
- ✓2 complimentary golf rounds per month at select courses worldwide (primary cardholder)
- ✓Club Marriott membership: up to 25% off dining in India (20% across Asia Pacific), up to 20% off Best Available Room Rates, and spa discounts
- ✓Metal card construction
- ✓White Pass milestone rewards of up to ₹2.5 lakh annually, redeemable as cashback or against a curated catalogue (vouchers, travel, flights, hotels)
- ✓Only one active White or White Reserve card is permitted per customer; White Pass will not accrue across multiple cards held simultaneously
Common questions
- What is the annual fee on the Kotak Mahindra Bank White Reserve?
- The joining fee is ₹12,500. The annual fee is ₹12,500. Waived on annual retail spend of ₹10,00,000 or more (per Kotak's official fees page; one industry write-up cites ₹12,00,000 instead — the bank's own page is treated as authoritative here).
- What are the reward rates on the Kotak Mahindra Bank White Reserve?
- Kotak Mahindra Bank White Reserve earns 1% cashback on all other spends.
- Does the Kotak Mahindra Bank White Reserve offer airport lounge access?
- Yes: unlimited domestic lounge visits per year (Unlimited complimentary access at 1000+ airports worldwide for primary and add-on cardholders; a per-guest charge (reported around $35) may apply for accompanying guests) and unlimited international lounge visits per year (Unlimited complimentary access at 1000+ airports worldwide for primary and add-on cardholders; a per-guest charge (reported around $35) may apply for accompanying guests).
- Who is eligible for the Kotak Mahindra Bank White Reserve?
- Applicants typically need a minimum annual income of ₹36,00,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by Kotak Mahindra Bank and can vary by application.