Joining Fee

Free

Annual Fee

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

Forex Markup

2% + GST

INTERNATIONAL

Add-on Card Fee

₹250 per supplementary card

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

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

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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