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)
Infinite Credit Card
Rs 0Annual fee
16Domestic lounge
Domestic lounge conditions
- 16 complimentary domestic lounge visits per year (max 4 per quarter).
2%Forex markup
Best for
Travel, Lounge, Golf, Concierge, Wealth
Top rewards
All Retail Spends: 1 Reward Point / ₹250 spent
| Feature | White Reserve Credit Card | Infinite Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Kotak Mahindra Bank |
| Network | Visa | Visa |
| Joining fee | Rs 12,500 | Rs 0 |
| Annual fee | Rs 12,500 | Rs 0 |
| Fee waiver spend | Rs 10,00,000 | - |
| Reward type | White Pass | Kotak Reward Points |
| Best for | Premium, Travel, Lounge, Concierge, Milestones | Travel, Lounge, Golf, Concierge, Wealth |
| Top reward categories | All Retail Spends: No transactional rewards (Earns White Pass value on milestones only) | All Retail Spends: 1 Reward Point / ₹250 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | Unlimited | 16 |
| International lounge | Unlimited | 0 |
| Forex markup | 2% | 2% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.7 per point | Statement credit: upto ₹ 0.7 per point |
| Key exclusions | Fuel spends, Rent payments, EMI transactions, E-wallet loading transactions, Insurance spends, Government spends | E-wallet loading transactions, Fuel spends, Rent payments, Insurance spends, Utility spends, Education spends |