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
Fees and charges at a glance
- Annual fee
- ₹12,500
- Joining fee
- ₹12,500
- Reward rate
- 3% to 6%
- Forex markup
- 2%
- Interest rate
- 42% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
Kotak White Reserve credit card — Earn Categories
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Base Rewards
- Fuel
- Education