Kotak Mahindra Bank
Kotak White Reserve Credit Card
Best for rewards, premium
₹3,000/yr annual fee · 4x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹3,000/yr
Reward rate
4x
Min. income
₹6,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹6 lakh/yr · CIBIL 700+
Reward cap
Cap on accelerated category
Welcome benefit
Milestone-based Taj/SeleQtions vouchers
Who is this for
- Rewards optimiser
- Premium cardholder
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹3,000 non-waiver joining fee
- ₹750 late-payment fee
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Renewal fee | ₹3,000 | Waived on annual spends ≥ ₹10,00,000 |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹400 and ₹7,500 |
| Joining fee | ₹3,000 | Not waivable |
| Annual fee | ₹3,000 | On ₹3,00,000+ annual spend |
| Forex markup | Not published | Not waivable |
| Late payment | ₹750 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 3x on travel/dining; 1x on others | Cap on accelerated category | 1 RP = ₹0.25 |
| DINING | 4.00 | ₹2,000/month | 0.25 |
| GROCERIES | 4.00 | ₹2,000/month | 0.25 |
Benefits
-
Domestic lounge access
4 per year (1 per quarter)
-
International lounge access Highlight
None
-
Milestone benefits Highlight
Milestone-based Taj/SeleQtions vouchers
-
Fuel surcharge waiver
1% waiver
Eligibility
- Age
- 21–65 years
- Min. income
- ₹6,00,000
- Min. credit score
- 700+
- Score note
- Good credit score
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, income proof
Kotak White Reserve Credit Card is a VISA credit card from Kotak Mahindra Bank. It is best suited for rewards, premium.
Fees and rewards
- Annual fee: ₹3000
- Joining fee: ₹3000
- Rewards: 4X rewards on selected spends
Eligibility
PAN, Aadhaar, income proof
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. Medium-confidence record — verify with the issuer before applying. Status: active.
Apply for Kotak White Reserve Credit Card
Last reviewed · How we review
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