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

Axis Bank Reserve Credit Card has lower forex markup (1.5% vs 2%).

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

Kotak White Reserve Credit Card has a lower annual fee (₹12,500 vs ₹50,000).

Which card offers better lounge access?

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

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

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

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

Travel Axis Bank Reserve Forex Axis Bank Reserve upi Kotak Mahindra Bank White Reserve

Quick comparison

Three core metrics

Reserve Axis Bank

Annual fee ₹50,000 Waivable at ₹35,00,000 spend
Forex markup 1.5%
Domestic lounge Unlimited

White Reserve Kotak Mahindra Bank

Annual fee ₹12,500 Waivable at ₹10,00,000 spend
Forex markup 2%
Domestic lounge Unlimited

Reward earning explained

Per card

Reserve

7.5 pts / ₹100 on General spend

Limited data

White Reserve

2% on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Reserve: ₹50,000 vs Kotak Mahindra Bank White Reserve: ₹12,500), forex markup (1.5% vs 2%), or lounge access (Unlimited vs Unlimited).

Travel Axis Bank Reserve wins

Axis Bank Reserve is better for travel

Axis Bank Reserve is stronger here. Axis Bank Reserve is cheaper for international spend (1.5% vs 2% forex).
Forex markup Axis Bank Reserve wins

Axis Bank Reserve is better for forex

Axis Bank Reserve is stronger here. Axis Bank Reserve has a lower forex markup (1.5% vs 2%).
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards Tie

Both cards are similar for rewards

Estimated base reward value is ~1.5% on base spend. Estimated base reward value is ~2% on base spend.
upi Kotak Mahindra Bank White Reserve wins

Kotak Mahindra Bank White Reserve is better for UPI usage

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

Confidence: Low (limited information available)

Verify with issuer

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Kotak White Reserve: ~₹1,000/month at base rate
Reserve: ~₹750/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Reserve Axis Bank	White Reserve Kotak Mahindra Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
Forex / International Use
Forex markup Limited support — verify with issuer. 1.5% vs 2%	1.5%	2%
Fees
Annual fee ₹50,000 vs ₹12,500	₹50,000	₹12,500
Joining fee ₹50,000 vs ₹12,500	₹50,000	₹12,500
Fee waiver spend ₹35,00,000 vs ₹10,00,000	₹35,00,000	₹10,00,000
Interest-free period Up to 50 days vs Up to 51 days	Up to 50 days	Up to 51 days
Rewards
Points per ₹100 7.5 pts vs 2%	7.5 pts	2%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Reserve	₹0.2	Not specified

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.