Kotak Mahindra Bank
Kotak White Reserve Credit Card
Annual Fee
₹14,750₹12,500 + GSTBase Reward
0% points
Foreign Markup
2%
Welcome Benefits
Complimentary Club Marriott Membership
Product Highlights
- Unlimited complimentary lounge access at 1000+ airports worldwide
- Complimentary Club Marriott Membership
- 20% off on F&B bills across the Asia Pacific
- Low foreign currency markup fee of 2%
- 2 golf rounds every month at selected golf courses
Fee Waiver
The renewal fee can be waived off on spending ₹10,00,000 or more in the previous year.
Reward Calculator
Costs you ₹14,750/year
Spend doesn't justify the fee. Consider a lifetime-free option.
₹25K
across all your buckets
0
Kotak White Pass
₹0
via standard
Effective rate
0.00%
Annual fee
₹14,750
Year 1 net
₹-14,750
Year 2+ net
₹-14,750
ongoing
Adjust your spend by reward bucket
1 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
Simple Milestone Structure — direct White Pass value on spend milestones
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
2%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, cash advance, rent, wallet, emi, government
Fuel surcharge waiver (good news)
1%on ₹400–₹7,500 fuel txns · capped at ₹4,500/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
White Pass Value can be earned for Reward Points on crossing a minimum spend of ₹3 Lakhs. The White Pass can be redeemed against various vouchers, flights, hotels, and more.
- 1 White Pass = ₹1 against statement (for all categories except Cashback), 1 White Pass = ₹0.70 (for cashback)
Benefits & Features
Domestic: Unlimited Access for Both Primary and Add-On Cardholders International: Unlimited International Lounge Access for Both Primary and Add-On Cardholders Unlimited complimentary access to domestic and international lounges.
Pros & Cons
Pros
- Unlimited lounge access for primary and add-on cardholders
- Complimentary Club Marriott Membership with significant discounts
- 2 golf rounds each month at selected courses
- Low foreign currency markup fee
Cons
- High joining and annual fee of ₹12,500 + GST
- No rewards for spends less than ₹3 Lakhs
- Insurance benefits not applicable
Additional Info
The White Pass balance can also be redeemed for cash.
The waiver will be subject to a maximum of ₹4,500 in a year for fuel surcharge.
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
The renewal fee can be waived off on spending ₹10,00,000 or more in the previous year.