Kotak White Reserve
by Kotak Mahindra Bank · Data verified 5 days ago
Kotak's flagship metal card with 5X rewards, Marriott/Hyatt dining benefits, global lounge access, 20% off at Marriott hotels, and golf privileges.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- Premium metal credit card design with high prestige
- Unlimited complimentary domestic airport lounge visits for primary and add-on cardholders
- Unlimited complimentary international lounge access via Priority Pass for primary and add-on cardholders
- Low 2.0% foreign currency markup fee on international spends
- Complimentary annual Club Marriott Asia Pacific membership
- White Pass milestone system offering up to 2.5% return (1 White Pass = ₹1 on catalog / ₹0.70 cashback)
- Annual fee waiver on ₹10 Lakh annual spend
- 2 complimentary golf rounds or lessons per month (24 rounds/year)
- Comprehensive travel insurance coverage up to ₹50 Lakh
Things to Consider
- High annual fee of ₹12,500 + GST
- Rewards tied entirely to spend milestones (no standard per-transaction base reward points)
- Cashback redemption on White Pass is discounted at ₹0.70 per White Pass
- High eligibility criteria (₹25 Lakh annual income requirement)
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Travel BONUS | 5 pts/₹100 | 5X on international spends |
| Dining | 3 pts/₹100 | 3X on dining |
| Shopping | 2 pts/₹100 | 2 RP per ₹100 |
| E-commerce | 2 pts/₹100 | Base online rate |
Domestic Lounges
999 per year
Int'l Lounges
999 per year
Travel Insurance
₹50L cover
Golf Benefits
Complimentary
Concierge
24/7 assistance
Fuel Savings
₹4,500/mo
Lost Card Cover
₹0
Dining
- •Reward points/cashback earned on dining transactions
- •Dining privileges at select partner restaurants
Shopping
- •5X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •Unlimited complimentary domestic airport lounge access for primary and add-on cardholders
- •Unlimited complimentary international airport lounge access via Priority Pass for primary and add-on cardholders
- •Low forex markup fee of 2% on international transactions
- •Complimentary travel insurance coverage up to ₹50 Lakh
- •1% fuel surcharge waiver (up to ₹4,500 per calendar year)
- •24/7 dedicated concierge service
- •2 complimentary golf rounds or coaching sessions per month (24 rounds/year)
Partner Benefits
- •Complimentary Club Marriott membership
Special Offers & Features
- •White Pass Reward System: Milestone-based annual spend rewards up to ₹2.5 Lakh value
- •1 White Pass = ₹1 for premium brand vouchers on catalog or ₹0.70 statement cashback
- •Complimentary Club Marriott membership: Up to 25% off F&B in India, 20% off in Asia Pacific
- •Fuel Surcharge Waiver: 1% on transactions between ₹400 and ₹7,500 (capped at ₹4,500/year)
EMI Options
- •EMI conversion on purchases above Rs.3,000
- •Tenure: 3, 6, 9, 12, 18, 24 months
- •Interest rate: 12-24% p.a.
Reward Transfer Partners
Marriott Bonvoy
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to Kotak Mahindra Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on Kotak White Reserve
Bloom Hotels
Experience vibrant, contemporary stays with Bloom Hotels across India. Kotak Credit Cardholders enjoy flat 25% instant discount up to ₹2,500 on room reservations.
Step 2: Choose your destination city and stay dates with minimum booking ₹3,000.
Step 3: Enter promo code KOTAKBLOOM at payment screen.
Step 4: Pay with Kotak Mahindra Bank Credit Card to get flat 25% instant discount.
Valid on direct bookings at stayatbloom.com only. Minimum booking value of ₹3,000 required. Maximum instant discount is ₹2,500 per booking. Subject to room availability at participating Bloom Hotel properties across India.
MakeMyTrip
Fly for less across India with Kotak Mahindra Bank and MakeMyTrip. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flight bookings of ₹5,000 and above.Book IndiGo, Air India, Akasa Air, and SpiceJet flights with code KOTAKMMT for immediate upfront savings.
Step 2: Search for domestic flights across any Indian carrier with minimum booking amount ₹5,000.
Step 3: In the coupon code input box on the payment page, enter KOTAKMMT.
Step 4: Pay using any Kotak Mahindra Bank Credit Card to deduct up to ₹1,500 instantly.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required excluding taxes. Maximum discount is capped at ₹1,500 per booking. Valid once per cardholder per calendar month. Not applicable on corporate or commercial cards.
Croma
Upgrade your digital life with electronics at Croma. Kotak credit cardholders receive up to ₹4,000 instant discount on premium tech, home appliances, and audio gear.
Step 2: Add eligible consumer electronics, televisions, or laptops worth ₹20,000+.
Step 3: Choose Kotak Bank Credit Card offer at payment checkout.
Step 4: Complete transaction to enjoy an instant discount up to ₹4,000.
Valid on Kotak Debit Card EMI and Kotak Credit Card EMI transactions. Maximum instant discount Rs. 2,500.
Zomato
Savor gourmet cuisines and weekend dining with Zomato and Kotak Bank. Get flat 15% instant discount up to ₹150 on minimum food orders of ₹599.
Step 2: Add dishes totaling ₹599 or more to your cart.
Step 3: Apply coupon code KOTAKDINING at the order review screen.
Step 4: Pay with any Kotak Mahindra Bank Credit Card to get 15% off up to ₹150 instantly.
Valid on food delivery orders placed via Zomato mobile app. Minimum cart value of ₹599 is required. Maximum discount is capped at ₹150. Valid once per customer per week.
BookMyShow
Catch the newest blockbusters with Buy 1 Get 1 Free movie tickets up to ₹250 on BookMyShow using Kotak credit cards.
Step 2: In the payment section, select Kotak Credit Card offer under 'Unlock Offer or Apply Promocodes'.
Step 3: Settle the balance with your Kotak Credit Card.
Valid on minimum booking of 2 tickets. Free ticket discount capped up to ₹250. Available on select Kotak credit cards (Privy, League, Zen).
Swiggy
Order your favorite meals on Swiggy and get flat 15% instant savings up to ₹100 using Kotak credit cards with coupon KOTAK100.
Step 2: Apply coupon code KOTAK100 on checkout.
Step 3: Pay using any Kotak Mahindra Bank Credit Card.
Valid on minimum spend of ₹499. Maximum discount ₹100. Valid once per card per month on food orders.
EaseMyTrip
Enjoy up to ₹8,000 off on EaseMyTrip travel bookings with Kotak Bank Credit Card EMI using promo code KOTAKEMI (Domestic Flights: Flat 10% instant discount up to ₹1,800 on MOV ₹5,000).
Step 2: Enter promo code KOTAKEMI on payment page.
Step 3: Complete payment using Kotak Mahindra Bank Credit Card EMI.
Valid on Kotak Bank Credit Cards EMI transactions on EaseMyTrip using code KOTAKEMI: Domestic Flights Flat 10% up to ₹1,800 (MOV ₹5,000), International Flights Flat 10% up to ₹5,000 (MOV ₹15,000), Domestic Hotels 15% up to ₹4,000, International Hotels 15% up to ₹8,000.
Frequently Asked Questions
Everything you need to know about Kotak White Reserve
- • Min age: 28 years
- • Salaried: ₹208,333/month min
- • Self-employed: ₹175,000/month min
- • CIBIL: 780+ recommended
- ✓ Domestic: 999 per year
- ✓ International: 999 per year
- → Unlimited complimentary international airport lounge access powered by Priority Pass for primary and add-on cardholders ($1 validation charge auto-reversed).
- → Unlimited complimentary domestic airport lounge access for primary and add-on cardholders across participating lounges in India.
- • Instant: Pre-approved Kotak Mahindra Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for Kotak White Reserve today and unlock amazing rewards and premium experiences.
What Users Say
No reviews yet for Kotak White Reserve.
Be the first to share your experience!
Share your experience
Sign in to write a review, share your approval data, and help others choose the right card.
Sign in with Google