Which card has a lower forex fee: Axis Bank Primus Credit Card or Kotak White Reserve Credit Card?

Axis Bank Primus Credit Card has lower forex markup (0% vs 2%).

Which card has a lower annual fee: Axis Bank Primus Credit Card or Kotak White Reserve Credit Card?

Kotak White Reserve Credit Card has a lower annual fee (₹12,500 vs ₹3,00,000).

Which card offers better lounge access?

Axis Bank Primus Credit Card: Unlimited domestic lounge. Kotak White Reserve Credit Card: Unlimited domestic lounge.

Which card has a higher base reward rate?

Kotak White Reserve Credit Card has higher base reward value (~2% vs ~1%).

Axis Bank Primus vs Kotak Mahindra Bank White Reserve Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Primus and the Kotak Mahindra Bank White Reserve. Verify fees, lounge access, forex markup, and base rewards before you apply.

Travel → Axis Bank Primus Axis Bank Primus is stronger here. Forex markup is 0%.

Forex → Axis Bank Primus Axis Bank Primus is stronger here. Forex markup is 0%.

Rewards → Kotak Mahindra Bank White Reserve Kotak Mahindra Bank White Reserve is stronger here. Estimated base reward value is ~2% on base spend.

Low fee → Kotak Mahindra Bank White Reserve Kotak Mahindra Bank White Reserve is stronger here. Kotak Mahindra Bank White Reserve has a lower annual fee (₹12,500 vs ₹3,00,000).

upi → Kotak Mahindra Bank White Reserve Kotak Mahindra Bank White Reserve is stronger here. Supports UPI via RuPay network.

Quick comparison

Feature	Primus	White Reserve
Annual fee	₹3,00,000	₹12,500 Waivable at ₹10,00,000 spend
Forex fee	0%	2%
Domestic lounge	Unlimited	Unlimited

Fees: White Reserve wins

Confidence: High

Forex: Primus wins

Confidence: High

Lounge: Tie

Confidence: Medium (verify with issuer)

Primus 1 pts / ₹100 on General spend Strong data

White Reserve 2% on General spend Strong data

Pick based on what matters

Start with the constraint you care about most: annual fee (Axis Bank Primus: ₹3,00,000 vs Kotak Mahindra Bank White Reserve: ₹12,500), forex markup (0% vs 2%), or lounge access (Unlimited vs Unlimited).

Axis Bank Primus is better for travel Strong data vs Strong data Axis Bank Primus is stronger here. Forex markup is 0%.
Axis Bank Primus is better for forex Strong data vs Strong data Axis Bank Primus is stronger here. Forex markup is 0%.
Both cards are similar for lounge access Domestic lounge access is unlimited.
Kotak Mahindra Bank White Reserve is better for rewards Strong data vs Strong data Kotak Mahindra Bank White Reserve is stronger here. Estimated base reward value is ~2% on base spend.
Kotak Mahindra Bank White Reserve is better for fees Strong data vs Strong data Kotak Mahindra Bank White Reserve is stronger here. Kotak Mahindra Bank White Reserve has a lower annual fee (₹12,500 vs ₹3,00,000).
Kotak Mahindra Bank White Reserve is better for UPI usage Kotak Mahindra Bank White Reserve is stronger here. Supports UPI via RuPay network.

Explore: Axis Bank Primus card page · Kotak Mahindra Bank White Reserve card page · best credit cards in India

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Kotak White Reserve: ~₹1,000/month at base rate
Primus: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

	Primus Axis Bank	White Reserve Kotak Mahindra Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
Forex / International Use
Forex markup Source agreement differs — verify both. 0% vs 2%	0%	2%
Fees
Annual fee ₹3,00,000 vs ₹12,500	₹3,00,000	₹12,500
Joining fee ₹5,00,000 vs ₹12,500	₹5,00,000	₹12,500
Fee waiver spend Only available for Kotak White Reserve	Not specified	₹10,00,000
Rewards
Points per ₹100 1 pts vs 2 pts	1 pts	2 pts
Point cash value	₹1	₹1

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Axis Bank Primus vs Kotak Mahindra Bank White Reserve Credit Cards – Fees, Lounge, Forex

Quick comparison

Pick based on what matters

Related comparisons

Example usage at this monthly spend

Notes