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)
Kotak 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 | Kotak Infinite Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Kotak Mahindra Bank |
| Network | Visa, RuPay | 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 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 | E-wallet loading transactions, Fuel spends, Rent payments, Insurance spends, Utility spends, Education spends |