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

Times Black ICICI Bank Credit Card has lower forex markup (1.49% vs 2%).

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

Kotak White Reserve Credit Card has a lower annual fee (₹12,500 vs ₹20,000).

Which card offers better lounge access?

Times Black ICICI Bank 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 →

ICICI Bank Times Black vs Kotak Mahindra Bank White Reserve Credit Cards – Fees, Lounge, Forex

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

Travel ICICI Bank Times Black Forex ICICI Bank Times Black upi Kotak Mahindra Bank White Reserve

Quick comparison

Three core metrics

Times Black ICICI Bank

Annual fee ₹20,000 Waivable at ₹25,00,000 spend
Forex markup 1.49%
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

Times Black

2 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 (ICICI Bank Times Black: ₹20,000 vs Kotak Mahindra Bank White Reserve: ₹12,500), forex markup (1.49% vs 2%), or lounge access (Unlimited vs Unlimited).

Travel ICICI Bank Times Black wins

ICICI Bank Times Black is better for travel

ICICI Bank Times Black is stronger here. ICICI Bank Times Black is cheaper for international spend (1.49% vs 2% forex).
Forex markup ICICI Bank Times Black wins

ICICI Bank Times Black is better for forex

ICICI Bank Times Black is stronger here. ICICI Bank Times Black has a lower forex markup (1.49% 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 ~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
Times Black ICICI Bank: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Times Black ICICI Bank	White Reserve Kotak Mahindra Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
Forex / International Use
Forex markup Limited support — verify with issuer. 1.49% vs 2%	1.49%	2%
Fees
Annual fee ₹20,000 vs ₹12,500	₹20,000	₹12,500
Joining fee ₹20,000 vs ₹12,500	₹20,000	₹12,500
Fee waiver spend ₹25,00,000 vs ₹10,00,000	₹25,00,000	₹10,00,000
Interest-free period Up to 48 days vs Up to 51 days	Up to 48 days	Up to 51 days
Rewards
Points per ₹100 2 pts vs 2%	2 pts	2%

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.