Base earn
2% base cashback
KOTAK RUPAY
White Reserve
SUPER PREMIUM
Should you get this?
Conditional fit
Why this card
- Unlimited lounge access is a clear travel strength.
- Forex markup is low at 2%.
- You use airport lounges often.
Trade-off
The annual fee (₹12,500) is waived only when eligible annual spend exceeds ₹10,00,000.
Annual fee ₹12,500 per year
Base cashback 2%
Lounge access ∞ unlimited domestic + international
Forex markup 2% low
Compare with Axis Bank Burgundy Private →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2%—Not stated
When does this card pay for itself?
Rewards break-even estimate ₹6.3L
Conservative yearly spend needed at base cashback rates.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getNo reward on
- These spends do not earn cashback: Fees/charges
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹10,00,000yearAnnual fee waiver
Reported but unverified
Evidence · not used as this card's figures- Renewal fee
- ₹12,500Reported by secondary sources · verify with issuer · 1 source
Evidence only · excluded from decisions
Watch outs
Before choosing this card- Annual fee is ₹12,500, so value depends on actual usage.
- Fee waiver requires spend above ₹10,00,000 annually.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ₹1,000 base cashback if the entire ₹50,000 qualifies for the general-spend lane · 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 factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited · verified 6 Jul 2026 Unlimited lounge access
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Kotak official page
- CardInsider
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- International (cardholder)
- Unlimited Access using the eligible card directly; no separate Priority Pass card required. · Unlimited lounge access
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Kotak official page
- CardInsider
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- Guest access
- Guests: paid access
Rewards
- Base cashback
- 2% base cashback
- Reward type
- Cashback
Fees & charges
Fees
- Annual fee
- ₹12,500
- Joining fee
- ₹12,500 · verified 3 Sept 2026
- Fee waiver spend
- Above ₹10,00,000 · verified 5 Jul 2026 Annual fee waived on eligible anniversary-year spend above ₹10,00,000.
- Interest-free period
- Up to 51 days · verified 7 Jul 2026
International Use
- Forex markup
- 2%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Kotak official page
- CardInsider
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Super-premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹7,500.
- Fuel-surcharge waiver capped at ₹4,500 per anniversary year.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions
These spends do not earn cashback.
Other
- Fees/charges
Latest update
- Annual fee: ₹12,500.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge · Unlimited international.
Common questions
From verified card factsIs this good for lounge access?
Unlimited domestic lounge + Unlimited international. 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 above ₹10,00,000 annual spend. Verify eligible spend exclusions before counting on it.
Learn more
Guides matched to this card — not a random syllabus.
- Cashback vs points
When simple cash beats flashy miles - Forex markup bands
0% vs 3.5% — which cards publish what - Welcome benefits
Free isn’t free if you miss the milestone