Kotak Mahindra Bank
White Reserve Credit Card
SimplifyCards take:A good fit if you want a card built for premium, travel, and lounge
✓
Best for airport lounge accessBest for
Unlimited complimentary lounge visits a year across domestic and international
!
Avoid if your spend is lowWatch out
The ₹ 12,500 fee waives only at ₹ 10 lakh/year, and some benefits can be spend-gated
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Good fit if you want a card built for premium, travel, and loungeBottom line
It combines complimentary airport lounge access, a low 2% forex markup, and milestone rewards
Estimate your White Pass
Adjust your monthly spend to see the card's estimated annual value
How the card works
White Pass rates
| Category | Rate |
|---|---|
| All Retail Spends | No transactional rewards (Earns White Pass value on milestones only) |
Redemption
Statement balanceupto ₹ 0.7 per point
Vouchersupto ₹ 1 per point
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Brand e-Vouchers | Premium brand e-vouchers via Kotak Rewards | 1 White Pass = ₹1.0 |
| Travel bookings | Flight & hotel bookings via Kotak Rewards | 1 White Pass = ₹1.0 |
Important conditions
1
Domestic loungeUnlimited visits per year
- Unlimited domestic lounge access for primary and add-on cardholders
2
International loungeUnlimited visits per year
- Unlimited international lounge access via Priority Pass for primary and add-on cardholders
3
MilestoneEarn ₹5,000 White Pass value on spending ₹3 Lakhs
4
MilestoneEarn ₹15,000 White Pass value on spending ₹10 Lakhs
5
MilestoneEarn ₹22,000 White Pass value on spending ₹20 Lakhs
6
MilestoneEarn ₹24,000 White Pass value on spending ₹30 Lakhs
7
MilestoneEarn ₹26,000 White Pass value on spending ₹40 Lakhs
8
MilestoneEarn ₹28,000 White Pass value on spending ₹50 Lakhs
9
MilestoneEarn ₹63,000 White Pass value on spending ₹75 Lakhs
10
MilestoneEarn ₹67,000 White Pass value on spending ₹1 Crore
11
Fee waiverRenewal fee waived on annual spends of ₹ 10 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Complimentary Club Marriott membership (worth ₹15,000)
Renewal benefits
- Complimentary Club Marriott membership (worth ₹15,000) on card renewal
Additional benefits
- Metal credit card format
- 2 Free golf rounds each month at select courses worldwide for the primary cardholder
- Luxury lifestyle concierge and assistance services
- 1% fuel surcharge waiver on transactions between ₹400 and ₹7,500 (max ₹4,500 per calendar year)
Additional details
- White Pass value can be redeemed at a 1:1 ratio (1 White Pass = ₹1.0) on the Kotak Rewards portal for brand vouchers, flights, and hotel bookings
- White Pass value can also be redeemed as statement credit to pay off the card bill at a rate of 1 White Pass = ₹0.70
Eligibility
Check this before you apply
Salaried
- Age: 21 to 65 years
- Resident of India
- Subject to Kotak Mahindra Bank premium segment criteria
Self-employed
- Age: 21 to 65 years
- Resident of India
- Subject to Kotak Mahindra Bank premium segment criteria
Exclusions
Spending that does not earn white pass
- Fuel spends
- Rent payments
- EMI transactions
- E-wallet loading transactions
- Insurance spends
- Government spends
- Education spends
- Cash advance / withdrawals
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