Kotak White Reserve credit card credit card
Joining Fee:

₹12500 +GST

Return Percentage:

3% to 6%

Credit Card Overview

An invite-only White Reserve card delivering ultra-premium lifestyle privileges, luxury travel perks, concierge support, and milestone bonuses.

Best Suited For: Experience, Travel Booking, Hotel Transfer

Kotak logoKotak

Fees and charges at a glance

Annual fee
₹12,500

Charged every year you keep the card

Joining fee
₹12,500

Paid once when you get the card, plus GST

Reward rate
3% to 6%

Depends where you spend

Forex markup
2%

Extra charge on foreign spends

Interest rate
42% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

Kotak White Reserve credit card — Milestones

  1. Spend reward

    Spend ₹3,00,000 in a year

    ₹5,000 worth white pass.

  2. Spend reward

    Spend ₹10,00,000 in a year

    ₹15,000 worth white pass.

  3. Spend reward

    Spend ₹20,00,000 in a year

    ₹22,000 worth white pass.

  4. Spend reward

    Spend ₹30,00,000 in a year

    ₹24,000 worth white pass.

  5. Spend reward

    Spend ₹40,00,000 in a year

    ₹26,000 worth white pass.

  6. Spend reward

    Spend ₹50,00,000 in a year

    ₹28,000 worth white pass.

  7. Spend reward

    Spend ₹75,00,000 in a year

    ₹63,000 worth white pass.

  8. Spend reward

    Spend ₹1,00,00,000 in a year

    ₹67,000 worth white pass.