MyFinCards
White Reserve Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 (Reversed on annual spends of Rs. 2 Lakhs)

Forex Markup

2% + GST

INTERNATIONAL
Kotak Bank
Lifestyle
Travel
Rewards
Best For: High spenders seeking luxury lifestyle benefits, Frequent international travelers, Golf enthusiasts, Marriott hotel loyalists

White Reserve Credit Card

Rewards Structure

Base Reward Rate

1.5% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹2,50,000 /annually

Points Validity

24 Months

Pros

  • Unlimited global lounge access for primary and add-on cardholders
  • Up to ₹2.5 lakh annual White Pass value redeemable for cashback, flights, hotels and premium vouchers
  • Club Marriott membership across 350 hotels and 1000 restaurants in Asia Pacific
  • 2 free golf rounds per month at global courses
  • Low 2% forex markup
  • Complimentary add-on cards
  • Premium metal card
  • Luxury concierge and lifestyle management services

Cons

  • Guest lounge charges revised to $35 per guest per visit from 1st October
  • White Pass not credited if customer holds multiple active White/White Reserve cards

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Customer can hold only one active White or White Reserve Credit Card at a time

White Pass will not be credited if customer holds multiple active White and/or White Reserve cards

Guest lounge charges apply at $35 per guest per visit

Fuel surcharge waiver capped at ₹4,500 per calendar year and only on transactions between ₹400 and ₹7,500

Key Benefits & Features

Club Marriott Membership: Up to 20% off on Best Available Room Rates in India and Weekend Room Rates in Asia Pacific

Club Marriott: Up to 20% off on Spa treatments in India and 3 celebration certificates with up to 50% off on F&B and 30% off on hotel stays

Exquisitely crafted metal card

Eligibility Criteria

0

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYEDRETIREDSTUDENT

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

INCOME Proof

Salary Slips
IT Returns
Bank Statements

Notable Exclusions

Fuel surcharge waiver not applicable on transactions below ₹400 or above ₹7,500

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About White Reserve Credit Card

The Kotak White Reserve Credit Card is an exquisitely crafted metal card designed to offer a unique gateway to elite experiences, superior rewards, and unmatched luxury. Built for high spenders who demand the finest, it combines a simple milestone-based rewards structure through the White Pass program, allowing cardholders to earn direct White Pass value of up to ₹2.5 lakh annually. These rewards can be redeemed across a curated catalog featuring premium brand gift vouchers, flights, hotels, and cashback. Travel and lifestyle sit at the heart of this card's appeal. Cardholders enjoy unlimited complimentary lounge access at over 1,000 airports worldwide for both primary and add-on members, a minimal 2% foreign currency markup on international spends, and two complimentary golf rounds each month at select courses globally. A 1% fuel surcharge waiver across all petrol pumps in India adds everyday value. The card also includes a complimentary Club Marriott Membership, valid across 350 hotels and 1,000 restaurants in Asia Pacific, offering discounts of up to 25% on dining, 20% on room rates, and 20% on spa treatments. Luxury Lifestyle Management Services further elevate the experience, providing access to exclusive global events, personal shopping, travel bookings, restaurant reservations, and bespoke event organization, making every occasion truly memorable.

Expert Review

Our Verdict

Ultra-premium metal card with unlimited global lounge access, Club Marriott membership & up to ₹2.5L annual White Pass v

Frequently Asked QuestionsAbout White Reserve Credit Card

REWARDSWhat is the White Pass program on the Kotak White Reserve Credit Card?
The White Pass program is a milestone-based rewards system that allows you to earn direct White Pass value without calculating points. You can earn up to ₹2.5 lakh in White Pass value annually. The accumulated White Pass balance can be redeemed for cashback, flights, hotel bookings, and gift vouchers from premium brands. The program features a simple milestone structure designed to offer unmatched value to premium cardholders.
BENEFITSWhat lounge access benefits does the Kotak White Reserve Credit Card offer?
The Kotak White Reserve Credit Card offers unlimited complimentary lounge access at 1,000+ airports across the world for both primary and add-on cardholders. Please note that effective 1st October, guest charges and charges applicable after complimentary visits are exhausted will be revised to $35 per guest, per visit. This makes it one of the most comprehensive lounge access programs available on a credit card.
BENEFITSWhat golf privileges are available with the Kotak White Reserve Credit Card?
The Kotak White Reserve Credit Card offers 2 free golf rounds each month at select golf courses across the world for the primary cardholder. This benefit is available at globally recognized and premium golf courses, making it an ideal card for golf enthusiasts who travel internationally or domestically and wish to enjoy complimentary rounds as part of their lifestyle privileges.
BENEFITSWhat Club Marriott membership benefits come with the Kotak White Reserve Credit Card?
The Kotak White Reserve Credit Card includes a complimentary Club Marriott membership applicable across 350 hotels and 1,000 restaurants in Asia Pacific. Benefits include up to 25% off on food and beverage bills in India and up to 20% off across Asia Pacific, up to 20% off on Best Available Room Rates in India and Weekend Room Rates in Asia Pacific, up to 20% off on Spa treatments in India, and 3 celebration certificates offering up to 50% off on F&B bills and 30% off on hotel stays.
INTERNATIONALWhat is the foreign currency markup on the Kotak White Reserve Credit Card?
The Kotak White Reserve Credit Card charges a low forex markup of 2% on all international spends made in foreign currency. This is relatively competitive compared to the standard industry rate of 3.5%, making this card a cost-effective choice for frequent international travelers who make regular purchases abroad or in foreign currencies.
BENEFITSWhat concierge and lifestyle management services are available with the Kotak White Reserve Credit Card?
The Kotak White Reserve Credit Card provides access to luxury lifestyle management and concierge services. These include curated travel bookings, personal shopping assistance, restaurant reservations, personalized gifting and birthday organization, access to exclusive global mega events, and custom event organization tailored to your individual needs. These services are designed to offer a seamless and premium lifestyle experience to cardholders.
BENEFITSWhat is the fuel surcharge waiver benefit on the Kotak White Reserve Credit Card?
The Kotak White Reserve Credit Card offers a 1% fuel surcharge waiver across all petrol pumps in India. This waiver is applicable on fuel transactions valued between ₹400 and ₹7,500. The maximum fuel surcharge waiver you can avail is capped at ₹4,500 in a calendar year. This benefit helps reduce everyday fuel costs for cardholders who regularly fuel up across India.
OTHERCan I hold both a Kotak White Credit Card and a Kotak White Reserve Credit Card simultaneously?
No, as per Kotak Mahindra Bank's internal norms, a customer can hold only one active White or White Reserve Credit Card at a time. If you hold multiple active White and/or White Reserve cards simultaneously, the White Pass value will not be credited to your account. It is advisable to ensure you have only one active card from this range to continue earning White Pass rewards without interruption.
BENEFITSDoes the Kotak White Reserve Credit Card come with add-on card benefits?
Yes, the Kotak White Reserve Credit Card offers complimentary add-on cards for eligible family members. Add-on cardholders also enjoy unlimited complimentary lounge access at 1,000+ airports worldwide, which is a significant benefit. Add-on cards allow family members to enjoy premium travel and lifestyle perks associated with the White Reserve Credit Card.
FEESWhat is the joining and annual fee for the Kotak White Reserve Credit Card?
The specific joining and annual fee details for the Kotak White Reserve Credit Card are not publicly listed on the official page and may vary based on eligibility or the offer extended to the applicant. It is recommended to contact Kotak Mahindra Bank directly via their toll-free helpline at 1800 4100 or email at customersupport@kotak.com to get the latest and most accurate fee structure applicable to you.
USAGEHow can I redeem my White Pass balance?
You can redeem your accumulated White Pass balance in multiple ways, including cashback directly to your credit card account, booking flights, hotel stays, and purchasing gift vouchers from a curated catalog of premium brands. The redemption catalog is designed to offer a premium experience across travel and lifestyle categories. To redeem, you can log in to your Kotak Netbanking account or use the Kotak Mobile Banking App to access your White Pass balance and available redemption options.
OTHERWhat type of card is the Kotak White Reserve Credit Card made of?
The Kotak White Reserve Credit Card is a premium metal card, exquisitely crafted to reflect a luxurious and exclusive identity. The metal construction gives it a distinctive look and feel that sets it apart from standard plastic credit cards, aligning with its positioning as a top-tier lifestyle and travel card designed for discerning individuals who value premium experiences.
APPLICATIONHow do I apply for the Kotak White Reserve Credit Card?
You can apply for the Kotak White Reserve Credit Card online through the official Kotak Mahindra Bank website by clicking the 'Apply Now' button on the credit card page. Alternatively, you can visit your nearest Kotak Mahindra Bank branch or call the toll-free helpline at 1800 4100 for assistance. You may need to submit identity proof, address proof, income documents, and PAN card details as part of the application process.
DOCUMENTSWhat documents are required to apply for the Kotak White Reserve Credit Card?
While the official page does not list specific documents, typically for a premium credit card like the Kotak White Reserve, you would need to provide: a valid photo identity proof (such as Aadhaar card or passport), address proof, PAN card, recent passport-sized photographs, and income proof such as the latest salary slips or IT returns for self-employed individuals. It is advisable to confirm the exact document requirements with Kotak Mahindra Bank by calling 1800 4100.
CANCELLATIONHow can I cancel or close my Kotak White Reserve Credit Card?
To cancel or close your Kotak White Reserve Credit Card, you can contact Kotak Mahindra Bank's customer support via the toll-free helpline at 1800 4100, write to customersupport@kotak.com, or visit your nearest Kotak Mahindra Bank branch. Before initiating cancellation, ensure all outstanding dues are cleared and any accumulated White Pass balance is redeemed, as unredeemed rewards may be forfeited upon card closure.

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