White Credit Card
Rs 3,000Annual fee
Rs 5,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 8 complimentary domestic lounge visits per year (max 2 per quarter).
- 4 complimentary international lounge visits per year via Priority Pass.
3.5%Forex markup
Best for
premium, milestones, lounge, travel
Top rewards
All retail spends: No transactional rewards (Earns White Pass value on milestones only)
White Reserve Credit Card
Rs 12,500Annual fee
Rs 10,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited domestic lounge access for primary and add-on cardholders.
- Unlimited international lounge access via Priority Pass for primary and add-on cardholders.
2%Forex markup
Best for
premium, travel, lounge, concierge, milestones
Top rewards
All retail spends: No transactional rewards (Earns White Pass value on milestones only)
| Feature | White Credit Card | White Reserve Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Kotak Mahindra Bank |
| Network | Visa | Visa, RuPay |
| Joining fee | Rs 3,000 | Rs 12,500 |
| Annual fee | Rs 3,000 | Rs 12,500 |
| Fee waiver spend | Rs 5,00,000 | Rs 10,00,000 |
| Reward type | White Pass | White Pass |
| Best for | premium, milestones, lounge, travel | premium, travel, lounge, concierge, milestones |
| Top reward categories | All retail spends: No transactional rewards (Earns White Pass value on milestones only) | All retail spends: No transactional rewards (Earns White Pass value on milestones only) |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 8 | Unlimited |
| International lounge | 4 | Unlimited |
| Forex markup | 3.5% | 2% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.7 per point | Statement credit: upto Rs 0.7 per point |
| Key exclusions | Fuel spends, Rent payments, EMI transactions, E-wallet loading transactions, Insurance spends, Government spends | Fuel spends, Rent payments, EMI transactions, E-wallet loading transactions, Insurance spends, Government spends |