Kotak

Kotak White Reserve Credit Card

Kotak White Reserve Credit Card: a metal credit card that earns White Pass value of up to ₹2,50,000 in a card anniversary year across eight spend milestones (₹5,000 at ₹3 lakh, ₹15,000 at ₹10 lakh, ₹22,000 at ₹20 lakh, ₹24,000 at ₹30 lakh, ₹26,000 at ₹40 lakh, ₹28,000 at ₹50 lakh, ₹63,000 at ₹75 lakh and ₹67,000 at ₹1 crore), redeemable at 1 White Pass = ₹1 on gift vouchers of premium brands, flights, hotels and transfers to airline and hotel partners or at 1 White Pass = ₹0.70 as cashback, plus unlimited complimentary domestic and international airport lounge access at 1,000+ airports for the primary and add-on cardholders, 2 complimentary golf tee-offs every month, an annual Club Marriott membership worth ₹15,000, a luxury lifestyle concierge, a 2% forex markup and a 1% fuel surcharge waiver, for a ₹12,500 joining fee and a ₹12,500 annual fee that is waived on annual retail spends of ₹10,00,000

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Issued by

Kotak

Joining Fee₹12500

Annual Fee₹12500

Income₹208333

Credit Score720

Key Highlights

Shopping

Earn White Pass Value of Up to ₹2,50,000 Every Year on Annual Spends of ₹1 Crore

against gift vouchers of premium brands, flights, hotels and transfers to airline and hotel partners

Travel

Enjoy Unlimited Complimentary Airport Lounge Access

Both domestic and international access is unlimited

Get Up to 25% Off on Food and Beverage Bills

with an Annual Club Marriott Membership Worth ₹15,000

Get Up to 25% Off on Food and Beverage Bills

with an Annual Club Marriott Membership Worth ₹15,000

Enjoy Unlimited Complimentary Airport Lounge Access

Both domestic and international access is unlimited

Eligibility

Age Criteria28-60

Credit Score720

Salaried Income₹25 LPA

Self-employed Income₹25 LPA

Employment TypeSelf Employed, Salaried

New to CreditEligible

Fees & Waivers

Joining Fee₹12500

Joining Fee OffsetNot applicable

Annual Fee₹12500

Annual Fee WaiverThe annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy

Estimated Annual Saving₹114625

Rewards & Redemption

Reward Conversion1 White Pass = ₹1

Redemption Options

Flight & Hotel Bookings
White Pass catalogue
Cashback
Gift Vouchers

Earning ExclusionsUtility Bills, Telecom, Insurance, Education, Government Spends, Rent, Wallet Loads, Online Skill-based Gaming, EMI, Cash Withdrawals/Advance

Spend ExclusionsUtility Bills, Telecom, Insurance, Education, Government Spends, Rent, Wallet Loads, Online Skill-based Gaming, EMI, Cash Withdrawals/Advance

Benefits

All Benefits

Earn White Pass value of ₹5,000 at ₹3 lakh, ₹15,000 at ₹10 lakh, ₹22,000 at ₹20 lakh, ₹24,000 at ₹30 lakh, ₹26,000 at ₹40 lakh, ₹28,000 at ₹50 lakh, ₹63,000 at ₹75 lakh and ₹67,000 at ₹100 lakh of spends settled in a card anniversary year, for a maximum of ₹2,50,000 a year
unlimited complimentary domestic and international airport lounge access at 1,000+ airports across the world for the primary
2 complimentary golf tee-offs every month at select golf courses in India and around the world for the primary cardholder
annual Club Marriott membership across 350 Marriott hotels and 1,000 restaurants in Asia Pacific
up to 25% off food and beverage bills in India and up to 20% across Asia Pacific

Flight Benefits

White Pass value earned on crossing spend milestones can be redeemed for flights and transferred to airline partners

Airport Lounge Benefits

Enjoy complimentary Unlimited Domestic lounge access
Enjoy complimentary Unlimited International lounge access at 1,000+ airports across the world

Dining Benefits

An annual Club Marriott membership, valued at ₹15,000 on the official Value chart, gives up to 25% off the food and beverage bill at participating restaurants in India and up to 20% off across Asia Pacific
1 Celebration Certificate offering 50% off food and 30% off beverage bills for up to 10 guests at all-day dining restaurants in India

Fuel Surcharge Waiver Benefits

Save 1% fuel surcharge across all petrol pumps in India. Applicable on transactions between ₹400 and ₹7,500, with a maximum waiver of ₹4,500 allowed in a calendar year

Documents

PAN Card

Aadhaar Card or valid address proof

Latest salary slips or income proof

Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application

A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards

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