Kotak White Reserve Credit Card

Kotak Bank White Reserve Credit Card Review


Joining Fee: Rs 12500+GST
Annual Fee: Rs 12500+GST




1.6% to 2.5%



Payment Network



Milestone Rewards, Domestic Airport Lounge Access, International Airport Lounge Access, Fuel Surcharge Waiver

Kotak Bank recently added a new super-premium credit card to its offerings – the White Reserve. The White Reserve and will be above the existing White credit card in the pecking order. Just like the White card, the White Reserve also has a good-looking premium design that hints at luxury. Here is a review of the new Kotak White Reserve credit card with its rewards, and benefits.

Fees and Charges

Joining FeeRs 12500+GST
Welcome BenefitNone
Annual FeeRs 12500+GST
Annual Fee WaiverRs 10 Lakhs spend in an anniversary year
Kotak White Reserve Credit Card Review – Fees and Charges

The White Reserve has ‘pricier’ fees compared to the White card. Unlike, the White card this is not issued as LTF for Insignia and Optima customers right now.

LTF IndusInd Bank Credit Cards

The no welcome benefit comes across as a surprise. For a 12500 joining fee, there should have been some benefit.


The White Reserve is for the high spenders who can exceed the spending milestones of the White credit card. While the milestones stop at Rs 12 Lakh for a White card, it goes up to Rs 1 Cr for White Reserve. Now, you know which is the target audience for the Reserve card. 🙂

Spend MilestoneWhite Pass ValueTotal White
Pass Value
Rs 3 LakhsRs 5,000Rs 5,0001.6%
Rs 10 LakhsRs 15,000Rs 20,0002%
Rs 20 LakhsRs 22,000Rs 42,0002.1%
Rs 30 LakhsRs 24,000Rs 66,0002.2%
Rs 40 LakhsRs 26,000Rs 92,0002.3%
Rs 50 LakhsRs 28,000Rs 1.2 Lakhs2.4%
Rs 75 LakhsRs 63,000Rs 1.83 Lakhs2.4%
Rs 1 CroreRs 67,000Rs 2.5 Lakhs2.5%
Kotak White Reserve Credit Card Review – Rewards

The return on this card is between 1.6% to 2.5%. This is pretty similar to what Kotak offers on its other credit cards. So, there is nothing special about the White Reserve when it comes to returns.

LTF IDFC First Bank Credit Cards

What is White Pass?

White Pass is Kotak’s term for gift vouchers redemption. While Kotak states that these are only for premium brands, we do have some regular ones including Amazon Pay as well. We can also use the White Pass for flight and hotel redemptions. Cashback redemption is also possible but the value of Rs 1 White Pass equals 70 paise in this case. Below is the full list of available redemption options for gift vouchers.

Kotak Bank White Credit Card - White Pass Redemption Options
Kotak White Reserve Credit Card – White Pass Redemption Options

Complimentary Club Marriott Membership

Complimentary Club Marriott Membership on the Kotak White Reserve Credit Card Review
Complimentary Club Marriott Membership on the Kotak White Reserve

This is the extra benefit of this card. We get the Club Marriott membership every year as long as we hold the White Reserve credit card. The membership comes with the below benefits:

  • Up to 20% off on food and beverage bills at participating restaurants in the Asia Pacific for up to 10 guests (not available on Sunday brunches)
  • Up to 20% off on the Best Available Rate of rooms in India and the Best Weekend Rate of rooms available in the Asia Pacific
  • Up to 20% off on select spa treatments in India
  • 1 certificate offering 50% off on food and 30% off on beverage bills, for up to 10 guests at all-day dining restaurants in India
  • 2 Certificates offering flat 30% off on the best available Rate for 2 nights stays (each) in India

The participating hotels and resorts in Club Marriott membership are available here.

AU Bank Xcite Ace

Complimentary Airport Lounge Access

The Kotak White Reserve credit card gets unlimited airport lounge access.

  • Airport Lounges in India: Access with White Reserve credit card
  • International Airport Lounges(outside India): Access visa Dreamfolks Lounge card

Key Benefits

  • Foreign Currency Markup: 2%
  • Golfing Privileges: 2 free gold rounds/month at select golf courses across the world
  • Fuel Surcharge Waiver: 1% for transactions between Rs 400 and Rs 4000. The maximum waiver is capped at Rs 4500/calendar year.

Final Thoughts

If you are chasing high rewards, the Kotak White Reserve credit card might not be a fit. But this is can be a good fit for the UHNI customers that Kotak is targeting.

The White Reserve can be a good option if you are looking for a super-premium Kotak credit card. The 2.5% rewards, Club Marriott, and unlimited lounge access make it a much better option than the White card.

But, if you already hold a super-premium card like Infinia/Magnus/Reserve, there is no reason to get this card. We get better rewards and benefits on those.

Kotak White Reserve Credit Card


Joining / Annual Fees
Features and Benefits
Axis Bank My Zone Credit Card LTF
Share the Post:

1 thought on “Kotak White Reserve Credit Card”

Leave a Reply

Your email address will not be published. Required fields are marked *

Scroll to Top