INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official kotak.com (Kotak Mahindra Bank) Most Important Terms and Conditions (MITC).

🏛️Kotak Mahindra Bank Ltd.Network: Visa InfiniteTravel & Aviation CardsLast Verified: 2026-09-28

Kotak White Reserve Credit Card

कोटक व्हाइट रिज़र्व क्रेडिट कार्ड

Ultra-HNW metal card offering up to ₹2.5 Lakhs in luxury White Pass vouchers, unlimited global lounge visits with guests, and 2.0% forex markup.

Annual Fee₹12,500 + GST (Renewal: ₹12,500 + GST)

Reward RateMilestone luxury currency: Earn up to ₹2,50,000 in White Pass vouchers annually based on spend tiers (₹5L spend = ₹7,500 WP; ₹10L spend = ₹20,000 WP; ₹20L spend = ₹50,000 WP; up to ₹2.5 Lakhs WP at ₹1 Crore spend).

Airport LoungeUnlimited complimentary domestic airport lounge access for primary and add-on cardholders. Unlimited complimentary international airport lounge access worldwide via Priority Pass with complimentary guest access visits.

Forex MarkupLow 2.00% + GST markup on foreign currency transactions.

What Is This Card

Kotak White Reserve Credit Card is Kotak Mahindra Bank's ultra-premium metal card engineered for high-net-worth individuals and corporate CXOs. It delivers up to ₹2.5 Lakhs in White Pass luxury vouchers, unlimited domestic and international airport lounge access with guest visits, low 2.00% forex markup, and a 2.00% APR.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹12,500 + GST (Renewal: ₹12,500 + GST)

Fee Waiver: Spend ₹10,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹12,500 waived.

🎁Welcome Benefit

White Pass vouchers worth ₹12,500 credited upon payment of joining fee and first card swipe.

⚡Reward Points Structure

Milestone luxury currency: Earn up to ₹2,50,000 in White Pass vouchers annually based on spend tiers (₹5L spend = ₹7,500 WP; ₹10L spend = ₹20,000 WP; ₹20L spend = ₹50,000 WP; up to ₹2.5 Lakhs WP at ₹1 Crore spend).

Redemption Value: 1 White Pass = ₹1.00 directly redeemable for curated ultra-luxury shopping, international hotel reservations, business flights, and lifestyle concierge services.

🛫Airport & Railway Lounge Access

Unlimited complimentary domestic airport lounge access for primary and add-on cardholders. Unlimited complimentary international airport lounge access worldwide via Priority Pass with complimentary guest access visits.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹3 Crores. Emergency overseas medical treatment cover up to $50,000. Baggage loss/delay cover up to ₹1 Lakh.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹500 and ₹4,000.

🎯Milestone Spends & Grace Period

Milestones: Up to ₹2.5 Lakhs in White Pass luxury vouchers. Complimentary rounds of golf across championship courses globally. Dedicated 24/7 White Reserve lifestyle concierge desk.

Interest-Free Period: Up to 48 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Requires substantial annual spend volume to unlock top White Pass voucher tiers. High ₹12,500 annual fee. White Pass vouchers have a 12-month expiry window.

Forex Markup FeeLow 2.00% + GST markup on foreign currency transactions.

Cash Advance Fee₹300 flat per ATM cash withdrawal + 2.00% monthly finance charges.

Finance Charges (Interest)Preferential 2.00% per month (24.00% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹800 for ₹10,001–₹25,000; ₹1,000 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).

Reward Points ExpiryWhite Pass vouchers expire 12 months from the date of issuance.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

By invitation only or for salaried executives with monthly income exceeding ₹2,50,000 (annual ITR exceeding ₹30,000,000 for self-employed).

Age Requirement21 to 70 Years

Minimum Income₹2,50,000/month (Salaried) / ₹30,00,000/year ITR (Invite-only)

CIBIL Score NoteA pristine credit score of 780+ is required.

SBI RelationshipKotak Privy League or Private Banking relationship preferred.

How to Apply (Official Procedure)

Online Digital Application Flow

1Contact designated Kotak Privy League Relationship Manager or visit kotak.com/white-reserve.

2Submit formal request for White Reserve card issuance.

3Verification of private banking relationship and audited ITR documents.

4Underwriting committee approves credit limit (minimum ₹10 Lakhs).

5Complete online Video KYC session with bank official.

6Handcrafted metal card delivered via specialized courier within 5 business days.

Branch Application for Offline Applicants

Apply through any Kotak Mahindra Bank Wealth Management branch or Privy League service desk.

Visit Official Card Page (kotak.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card or Passport

3. Proof of Income: Last 2 years' audited ITR with computation (ITR > ₹30 Lakhs)

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Kotak White Reserve Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹800 for ₹10,001–₹25,000; ₹1,000 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at Preferential 2.00% per month (24.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Kotak White Reserve Credit Card into EMI?

Yes, Kotak Mahindra Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Kotak White Reserve Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Kotak Mahindra Bank Ltd.'s official mobile banking application or web portal. 1 White Pass = ₹1.00 directly redeemable for curated ultra-luxury shopping, international hotel reservations, business flights, and lifestyle concierge services. Please note: White Pass vouchers expire 12 months from the date of issuance.

What is the interest-free grace period on Kotak White Reserve Credit Card and how does it work?

The interest-free period on Kotak White Reserve Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Preferential 2.00% per month (24.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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