KOTAK
Kotak Mahindra Bank White Reserve Credit Card
Super-premium card · strong domestic lounge · international details not available · fee waiver achievable around ₹10L annual spend · 2% forex markup.
The Kotak Mahindra Bank White Reserve Credit Card is issued by KOTAK. Use this page to compare key benefits, fees & charges, lounge access, rewards, and forex markup — then compare with similar cards.
- 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
Example usage at this monthly spend
- At this monthly spend, you'd earn: ~₹1,000/month (base rewards)
- ~₹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.
Confidence: Medium (verify with issuer)
Verify with issuer (opens in new tab)Card snapshot
| Annual fee | ₹12,500 |
|---|---|
| Joining fee | ₹12,500 |
| Forex fee | 2% What is this? |
| Lounge access | Unlimited domestic lounge |
| Reward rate | 2% base cashback (on eligible spend) |
Real-world usage examples
- Best for frequent domestic airport travel where unlimited lounge access matters.
- Less suited to international transactions because forex markup is 2%.
- Competitive for day-to-day rewards with an estimated base return around 2.0%.
Annual fee break-even math
At base earn rates, you need roughly ₹6.3L in yearly spend to offset the ₹12,500 annual fee.
Key Benefits
Lounge Access
- Domestic visits
- Unlimited
- International visits
- Not available in current snapshot International details not available.
Rewards
- Points per ₹100
- 2 pts
- Effective earn
- 2% cashback
Fees & Charges
Fees
- Annual fee
- ₹12,500
- Joining fee
- ₹12,500
- Fee waiver spend
- ₹10,00,000 Above catalog median waiver (₹3,00,000 vs ₹10,00,000).
International Use
- Forex markup
- 2%
- Product tier
- Super-premium
Best For
- Good for travel
- Strong lounge access
- High rewards
- Supports UPI
Explore: best credit cards in India · low forex cards · zero forex cards · forex markup (learn) · reward rate (learn) · lounge access cards
Drawbacks
- High annual fee (₹12,500)
- High forex markup (2%)
Compare with similar cards
Open the closest side-by-side options in this tier before you apply.
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Latest update
- Snapshot refreshed on 25 April 2026 (today).
- Annual fee on file: ₹12,500.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge is on file in the latest refinery snapshot.