Kotak
White Reserve
- ₹12,500
- Annual fee
- ₹12,500
- Joining
- Rewards
- 3% to 6%
- Forex
- 2%
- Domestic lounge
- International lounge
- Memberships
- Concierge
- +1
Kotak has 31 credit cards in our comparison, and 5 of them are lifetime free. 14 come with airport lounge access. Compare the joining fee, annual fee, reward rate and forex markup for each below.