Kotak White Reserve Credit Card

The Kotak White Reserve Credit Card sits at the top of Kotak Mahindra Bank's credit card lineup. This metal card replaces traditional reward points with White Pass, a milestone-based rewards system that pays out direct value as you cross spending thresholds. Starting at ₹3 lakh annual spend, cardholders unlock ₹5,000 in White Pass value. At ₹1 crore, that climbs to ₹2.5 lakh. Unlike points-based cards where you track every transaction, White Pass rewards accumulate automatically when you hit each spending milestone.The travel benefits stand out even among super-premium cards. Unlimited airport lounge access cove₹1,000+ airports worldwide for both primary and add-on cardholders. International spenders pay just 2% forex markup, lower than the 3.5% charged by most Indian credit cards. A personal concierge handles travel bookings, restaurant reservations, and event tickets, giving cardholders a single point of contact for planning trips and experiences.Lifestyle perks round out the card's appeal. Complimentary Club Marriott membership gives up to 25% off dining at 350+ hotels and 1,000 restaurants across Asia Pacific, plus up to 20% off room rates and spa treatments. Golfers get 2 free rounds per month at select courses globally. The concierge also covers personal shopping, gift arrangements, and access to exclusive global events like concerts and sporting tournaments.The joining and annual fee is ₹12,500 plus GST, waived when annual retail spending crosses ₹10 lakh. For cardholders who already spend at that level, the fee effectively becomes zero. With White Pass redemption at 1:1 on the catalog (₹0.70 for cashback), heavy spenders can extract significant value. The card works best for individuals earning ₹25 lakh or more who want a single card covering travel, dining, and lifestyle needs.