Kotak White Reserve

Name: Kotak White Reserve
Brand: Kotak Mahindra Bank
Rating: 4.6 (50 reviews)

Ultra-premium Kotak card; rewards come from milestone White Pass value, not a per-spend rate.

4.6 / 5

Joining fee

₹12,500

Annual fee

₹12,500

Top reward

Milestone

Min income

Not verified

Apply at Kotak Mahindra Bank ← Back to all cards

External link to Kotak Mahindra Bank’s own application page.

The Kotak White Reserve costs ₹12,500 a year, waived at ₹10,00,000 annual spend. It earns via spend milestones, not a per-spend rate: milestone White Pass value, up to ₹2.5 lakh per year. Forex markup is 2%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

This card earns on milestones, not a per-spend rate.

Earns via milestone White Pass value, up to ₹2.5 lakh per year; the issuer publishes no per-₹100 points rate for this card.

Annual fee ₹12,500, waived at ₹1,000,000 annual spend. Its value comes from hitting the spend milestones above, so it is not ranked by these spend sliders.

What does the Kotak White Reserve earn?

How this card rewards you.

Milestone rewards

Earns via milestone White Pass value, up to ₹2.5 lakh per year; the issuer publishes no per-₹100 points rate for this card.

What do you get with the Kotak White Reserve?

Milestone White Pass rewards, up to ₹2.5 lakh value per year
Club Marriott membership (up to 25% off dining in India, up to 20% across Asia Pacific)
2% forex markup
Annual fee waived at ₹10 lakh annual spend

Who qualifies for the Kotak White Reserve?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

Not verified

Self-employed

Eligible

Kotak White Reserve FAQ

›What is the Kotak White Reserve annual fee?

The annual fee is ₹12,500. It is waived if you spend ₹10,00,000 in a year.

›What does the Kotak White Reserve earn?

It earns via spend milestones, not a per-spend rate: milestone White Pass value, up to ₹2.5 lakh per year. Full structure: Earns via milestone White Pass value, up to ₹2.5 lakh per year; the issuer publishes no per-₹100 points rate for this card.

›What is the Kotak White Reserve forex markup?

The Kotak White Reserve charges 2% forex markup on foreign-currency spends.

›Are these Kotak White Reserve figures verified?

These figures are from our catalog and have not yet been re-verified against the issuer.