Kotak White Reserve Credit Card
Kotak About This Card
The Kotak White Reserve Credit Card is a super-premium credit card from Kotak with an annual fee of ₹12,500. It offers a base reward rate of 2.0% with up to 5.0% on select categories. Key perks include unlimited lounge access, fuel surcharge waiver. Best suited for frequent travellers and luxury spenders.
Pros & Cons
Pros
- Strong 2.0%+ base reward rate
- Low forex markup at 2.0%
- Generous lounge access benefits
- Fuel surcharge waiver saves on petrol/diesel
Cons
- High annual fee of ₹12,500
- 2.0% forex markup on international transactions
- Requires minimum ₹25L annual income
Fee Details
Reward Structure
Lounge Access
Key Highlights
- + Annual fee ₹12,500 (waiver: Spend ₹15L/year)
- + Up to 5.0% rewards on accelerated categories
- + Unlimited domestic lounge access
- + Unlimited international lounge access
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