कोटक व्हाइट रिज़र्व क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Kotak Mahindra Bank Ltd.
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.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
White Pass vouchers worth ₹12,500 credited upon payment of joining fee and first card swipe.
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.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹500 and ₹4,000.
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.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
By invitation only or for salaried executives with monthly income exceeding ₹2,50,000 (annual ITR exceeding ₹30,000,000 for self-employed).
न्यूनतम वार्षिक आय आवश्यकता
₹2,50,000/month (Salaried) / ₹30,00,000/year ITR (Invite-only)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Contact designated Kotak Privy League Relationship Manager or visit kotak.com/white-reserve. Step 2: Submit formal request for White Reserve card issuance. Step 3: Verification of private banking relationship and audited ITR documents. Step 4: Underwriting committee approves credit limit (minimum ₹10 Lakhs). Step 5: Complete online Video KYC session with bank official. Step 6: Handcrafted metal card delivered via specialized courier within 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.