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.
Pros
↑Unlimited airport lounge access at 1,000+ airports for both primary and add-on cardholders
↑White Pass milestone rewards worth up to ₹2.5 lakh annually, redeemable for brand vouchers, flights, and hotels
↑Club Marriott membership with up to 25% off dining at 350+ hotels and 1,000 restaurants across Asia Pacific
Cons
↓Annual fee of ₹12,500 plus GST, waived only at ₹10 lakh annual spend
↓Milestone-based rewards require ₹3 lakh minimum spend before earning any White Pass value
↓Cashback redemption rate drops to ₹0.70 per White Pass, 30% lower than catalog redemption
Cashback
★3.0
▼
White Pass balance can be converted to cashback
1 White Pass = ₹0.70 for cashback (30% lower than catalog value)
Cashback is not the primary reward mechanism
Milestone structure means no per-transaction cashback earning
Dining
★4.0
▼
Club Marriott: up to 25% off food and beverages in India
Up to 20% off dining across Asia Pacific at 1,000+ restaurants
Concierge restaurant reservation service
3 celebration certificates with up to 50% off F&B bills
Cove₹350+ Marriott hotels across Asia Pacific
Fuel
★3.5
▼
1% fuel surcharge waiver at all petrol pumps in India
Applicable on transactions between ₹400 and ₹7,500
Maximum waiver of ₹4,500 per calendar year
Both primary and add-on cardholders eligible
Lifestyle
★4.5
▼
Personal concierge for restaurant reservations, personal shopping, and gift arrangements
Access to exclusive global mega events (concerts, sporting tournaments)
Club Marriott spa discounts up to 20% in India
3 celebration certificates (up to 50% off F&B, 30% off stays)
Curated birthday and occasion planning services
Milestone
★4.5
▼
First milestone at ₹3 lakh annual spend unlocks ₹5,000 White Pass value
Maximum White Pass value of ₹2.5 lakh at ₹1 crore annual spend
No per-transaction point tracking needed
Rewards unlock automatically on crossing each spend threshold
White Pass valid for 90 days after anniversary year ends
Premium
★5.0
▼
Metal card with distinct premium finish
Unlimited airport lounge access at 1,000+ airports
2 free golf rounds monthly at select global courses
Complimentary Club Marriott membership
Personal concierge for travel, dining, shopping, and events
Access to exclusive mega events and curated experiences worldwide
Reward Points
★4.0
▼
1 White Pass = ₹1 on White Pass catalog (vouchers, flights, hotels)
1 White Pass = ₹0.70 for cashback redemption
Catalog includes premium brand gift vouchers, flights, and hotels
National Geographic curated travel experiences available
White Pass value accrues on milestone basis, not per transaction
Shopping
★3.5
▼
White Pass redeemable for premium brand gift vouchers on catalog
Personal shopping concierge service included
1 White Pass = ₹1 on catalog redemption
No category-specific accelerated earning on shopping spends
Travel
★4.5
▼
Unlimited lounge access at 1,000+ airports for primary and add-on cardholders
2% forex markup on international transactions
Concierge handles travel bookings and itinerary planning
National Geographic curated travel expeditions available through White Pass catalog
Guest lounge charges at $35 per visit
Airport Lounge Access
▼
Unlimited complimentary lounge visits at 1,000+ airports worldwide
Primary and all add-on cardholders eligible
Guest charges revised to $35 per guest per visit
Priority Pass network coverage
Joining Fee
₹12,500 + GST
Annual Fee
₹12,500 + GST (waived on ₹10 lakh annual retail spend)
Foreign Currency Markup
2% on all international transactions
Cash Advance Fee
2.5% of cash amount (minimum ₹500)
Age Requirement Salaried
28 to 65 years
Age Requirement Self Employed
28 to 65 years
Identity Proof
PAN card, Aadhaar card, Passport, or Voter ID
Address Proof
Aadhaar card, Passport, Utility bill, or Voter ID
The joining fee is ₹12,500 plus applicable GST.
The annual fee is ₹12,500 plus GST. It gets waived when you spend ₹10 lakh or more on retail purchases within the anniversary year.
White Pass is a milestone-based reward system unique to Kotak's White card range. Instead of earning points on every transaction, you unlock White Pass value when your annual spending crosses preset milestones, starting at ₹3 lakh.
You can earn up to ₹2.5 lakh in White Pass value annually. This maximum is achieved at ₹1 crore in annual spending.
You need to spend at least ₹3 lakh in your anniversary year to unlock the first milestone, which gives you ₹5,000 in White Pass value.
White Pass can be redeemed on the White Pass catalog for premium brand gift vouchers, flights, hotels, and curated travel experiences by National Geographic. You can also convert it to cashback.
1 White Pass equals ₹1 on the White Pass catalog for vouchers, flights, and hotels. For cashback redemption, 1 White Pass equals ₹0.70.
White Pass earned in an anniversary year stays valid for 90 days after that anniversary cycle ends. Any unredeemed balance expires after this period.
Yes. You get unlimited complimentary lounge access at 1,000+ airports worldwide. Both primary and add-on cardholders can use this benefit.
Yes. Guest charges are $35 per guest per visit. This also applies once complimentary visits (if any) are exhausted.
Primary cardholders get 2 free golf rounds each month at select golf courses across the world. Add-on cardholders do not receive golf privileges.
Club Marriott cove₹350+ hotels and 1,000 restaurants across Asia Pacific. You get up to 25% off on food and beverages in India, 20% off across Asia Pacific, up to 20% off room rates, and up to 20% off spa treatments.
You receive 3 celebration certificates that give up to 50% off on food and beverage bills and 30% off on hotel stays at participating Marriott properties.
Yes. The personal concierge handles travel bookings, restaurant reservations, personal shopping, gift arrangements, and access to exclusive events worldwide.
The foreign currency markup is 2% on all international transactions, which is lower than the 3.5% charged by most Indian credit cards.
You get a 1% fuel surcharge waiver at all petrol pumps in India. This applies to transactions between ₹400 and ₹7,500, with a maximum waiver of ₹4,500 per calendar year.
The interest rate is 3.5% per month, which works out to 42% per annum on any outstanding balance carried forward.
Cash advance fee is 2.5% of the withdrawn amount, with a minimum charge of ₹500. Your cash advance limit is 40% of your total credit limit.
The primary cardholder must be between 28 and 65 years old. Add-on cardholders need to be at least 18 years of age.
You need a minimum annual income of ₹25 lakh to be eligible for the Kotak White Reserve Credit Card.
The card is available in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune.
You need identity proof (PAN, Aadhaar, Passport, or Voter ID), address proof (Aadhaar, Passport, utility bill, or Voter ID), income proof (salary slips, bank statements, or ITR), and a passport-size photograph.
Yes. The card is crafted in metal, which gives it a noticeably heavier and more premium feel compared to standard plastic credit cards.
No. Kotak allows only one active White or White Reserve Credit Card per customer. If you hold both, White Pass will not be credited.
Yes. Add-on cards are complimentary and also provide unlimited airport lounge access at 1,000+ airports worldwide.