KOTAK
White Reserve Credit Card
Good fit for frequent travelers with unlimited lounge access — ₹12,500 annual fee.
Top reasons to choose this card
- Unlimited domestic lounge access
- ₹10L fee waiver
- Low 2% forex markup
What you'd do with it
- Carry it for frequent domestic airport travel where unlimited lounge access matters.
- Competitive for day-to-day rewards with an estimated base return around 2%.
- Good for travel 2% forex · unlimited lounge
- Moderate forex 2% forex markup
- Strong lounge access Unlimited domestic lounge access
- High rewards 2% on General spend
The catch No lounge spend gate is currently flagged. Verify guest/add-on access and current airport lounge list before relying on lounge access.
- Welcome benefit timing may vary
- Fee waiver available
- Annual fee known
- Forex markup known
- Unlimited domestic lounge access
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹12,500 higher than 102 of 112 cards
- Joining fee
- ₹12,500
- Forex markup
- 2% lower than 71 of 111 cards
- Lounge access
- Unlimited domestic lounge · Unlimited international
- Reward rate
- 2%
Good fit for
- Good for travel
- Strong lounge access
- High rewards
- Supports UPI
Not a fit for
- High annual fee (₹12,500)
Still worth it?
Evidence-backed snapshotGood fit if
- Fee waiver applies at ₹10,00,000 annual spend.
- Forex markup is low at 2%.
- Use this when the base earn rate is enough after checking caps, exclusions, and redemption terms.
Verify before applying
- Annual fee known
- Fee waiver available
- Forex markup known
- Unlimited domestic lounge access
- Airport lounge list may change
- ₹1,500 welcome benefit listed
- Welcome benefit timing may vary
- Monthly interest known
- Welcome benefit timing and claim process.
- Lounge terms to verify: Unlimited domestic lounge access. Verify spend criteria, guest rules, and airport list before relying on it.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward terms to verify: base earn is 2% base cashback. These spends do not earn cashback: Fees/charges. Still verify remaining caps and redemption rules.
Next best move
Is this good for lounge access?
Unlimited domestic lounge access. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 2%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Fee waiver applies at ₹10,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit worth ₹1,500 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Spending requirements
Spend gates · caps · milestone thresholdsWatch outs
Before choosing this card- Annual fee is ₹12,500, so value depends on actual usage.
- Fee waiver requires ₹10,00,000 annual spend.
Reward reality
Point value · limits · exclusionsReward rules
Structured earn rates · eligibility · caps when they bindEstimated usage
Example usage at this monthly spend
- At this monthly spend, you'd earn: ~₹1,000/month back (base earn · uses base/general earn rate)
- ~₹12,000/year back · net −₹500 after ₹12,500 fee
- Fee waiver unlikely at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsLounge Access
- Domestic (cardholder)
- Unlimited · verified 6 Jul 2026
- International (cardholder)
- Unlimited — via Priority Pass
- Guest access
- Guests: paid access
Rewards
- Base cashback
- 2%
- Reward type
- Cashback
Fees
- Monthly interest rate
- 3.5% / month
- Annual fee
- ₹12,500
- Joining fee
- ₹12,500
- Fee waiver spend
- ₹10,00,000 · verified 5 Jul 2026 Above catalog median waiver (₹2,00,000 vs ₹10,00,000).
- Interest-free period
- Up to 51 days · verified 7 Jul 2026
International Use
- Forex markup
- 2%
5 sources agree · verify issuer terms before applying
Where to verify
- Kotak official page
- CardInsider
- Operator-verified anchor
- Issuer site (verify current terms) (opens in new tab)
- Product tier
- Super-premium
Fuel Benefits
At the pumpNo verified fuel benefit available.
Annual fee break-even math
When does this card pay for itselfAnnual fee waiver applies at around ₹10L yearly spend.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refreshThese spends do not earn cashback.
Other
- Fees/charges
- Annual fee: ₹12,500.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge · Unlimited international.
AI view
AI-assisted · not verified · display onlyValues surfaced by AI pointing to a source URL. Not validated by the refinery — reference only.
- transferPartners Air France-KLM, British Airways, Cathay Pacific, Etihad, Qatar Airways, United Mileage Plus, Marriott Bonvoy, ALL Loyalty Programme, Air Canada
9 airline/hotel partners confirmed at 1:1 transfer ratio. Source: Kotak Official T&C PDF (CCRewardsPointsBackOfferTnC.pdf). White Pass → partner miles/points at 1:1, same ₹1.00 notional value as catalogue.
Source ↗