Kotak White Reserve Credit Card
Travel
Lounge Access
Reward Points
1st Year Fee: ₹12,500* Plus Applicable Taxes
Rewards
Up to Rs. 2.5 lakh White Pass Value annually
Hotel Benefit
Complimentary Club Marriott membership
Lounge Access
Unlimited airport lounge access worldwide
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About Kotak White Reserve Credit Card
Kotak White Reserve Credit Card is a premium metal card offering designed to enhance the cardholder’s lifestyle through exclusive benefits. Unlike conventional rewards programs, it features ‘White Pass’ — a unique reward currency awarded based on the annual spending milestones. This White Pass value can be used to purchase products from the White Pass catalogue or redeemed as cashback. For travel enthusiasts, the card provides a Club Marriott membership, with exclusive discounts on stays, dining, and spa services, alongside unlimited access to both domestic and international airport lounges. While its forex markup of 2% is relatively lower than the general 3.5%, it still adds to the overall cost of international transactions. Additionally, golf enthusiasts get complimentary golf rounds, and dedicated concierge services are available to maintain a premium lifestyle in a hassle-free manner.
However, the majority of the benefits offered by this Kotak credit card are better aligned with the needs of high-spending individuals who can utilise them to their full potential. The annual spending milestones for earning White Pass range from Rs. 3 lakh to Rs. 1 crore, and the annual fee waiver is available only on spending Rs. 10 lakh in a year – both of which spending thresholds are quite high. Furthermore, the Club Marriott membership and unlimited lounge access are most beneficial for those who travel frequently and prefer premium hotel accommodations.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit Kotak Mahindra Bank website.
Rewards Program
Earnings:
- Kotak White Reserve Credit Card offers White Pass, in place of reward points, on the card spends. The White Pass value earnings are dependent on the annual spends made by the cardholder. So, you can accrue a White Pass balance of up to Rs. 2.7 lakh in a year.
Click here to know the detailed breakdown of White Pass earnings based on the annual card spends.
Redemption Options:
- The accrued White Pass balance1 can either be redeemed as cashback or against the White Pass catalogue for gift vouchers, curated travel experiences, flights, hotels, etc.
Redemption Value:
- 1 White Pass = Rs. 1 on White Pass catalogue (for all options except cashback)
- 1 White Pass = Rs. 0.70 for cashback
Other Features & Benefits
- Club Marriott Membership: Through this membership, the cardholders get the following benefits which are applicable across 350 hotels and 1,000 restaurants in Asia Pacific region –
- Up to 25% off on food and beverages in India1
- Up to 20% off on FnB across Asia Pacific1
- Up to 20% off on best weekend room rates in Asia Pacific and the best available room rates in India
- Up to 20% off on select spa treatments in India
- Up to 50% off on F&B and 30% off on hotel stays through 3 certificates2
- Lounge Benefit: Unlimited access to 1,000+ international (Priority Pass) and domestic airport lounges
- Golf Benefit: Up to 24 free golf rounds per year, capped at 2 rounds per month, across the world
Kotak White Reserve Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 12,500 + Applicable taxes | ||||||||||||||||
| Finance Charges | 3.50% per month (42% per annum) | ||||||||||||||||
| Late Payments Fees |
|
Things to Know Before you apply
Get This Card If:
You travel frequently and prefer to stay at Club Marriott partner hotels
You are a high-spender and can manage to maximise your value-back through White Pass earrings
You are interested in playing golf and can make use of the complimentary golf rounds
Similar Cards:
HDFC Diners Club Black Metal Credit Card
ICICI Bank Emeralde Private Metal Credit Card
Axis Magnus Credit Card
HSBC Premier Credit Card
Paisabazaar Review
What do we like about this card?
Kotak White Reserve Credit Card is a good card option for the high-spenders and allows them to earn White Pass value of up to Rs. 2.5 lakh in a year which can be redeemed at up to 1:1 redemption ratio. Benefits like Club Marriott membership and lounge access allow the users to not only save on their stays during travel but also help make the airport experience more comfortable at no added cost. Other benefits like concierge services and golf access add to the overall value of this card and help in elevating the lifestyle. Furthermore, this card also allows the cardholders to waive off their annual card fees.
Pros
- Up to 1:1 redemption ratio of White Pass
- Complimentary Club Marriott membership
- Unlimited access to airport lounges across the world
- Up to 24 free golf rounds worldwide
Cons
- Low value-back rate through White Pass for a premium credit card
- No welcome or renewal benefit
- No considerable savings offers on spending categories like entertainment, online shopping, etc.
Frequently Asked Questions
Everything you need to know about this credit card
The White Pass value accrued in an anniversary year is valid for usage only till 90 days after the end of the annual anniversary cycle. The White Pass balance expires and becomes invalid after this period and is reset to nil.
Kotak White Reserve comes with a foreign currency exchange mark-up of 2%.
White Pass value of Rs. 2.5 lakh is available only when you spend Rs. 100 lakh (i.e. Rs. 1 crore) or more in a year.
No, the complimentary Club Marriott membership offered with Kotak White Reserve credit card is only available for the primary cardholders.
Yes, you can get the annual card fee waived off by spending at least Rs. 10 lakh in an anniversary year.
Footnotes
- Offer applicable for up to 10 guests and not applicable on Sunday brunches
- Here, 1 certificate is for 50% off on food and 30% off on beverages, for up to 10 guests, at all-day dining restaurants in India and 2 certificates are for 30% discount offer on best available rate for 2 night stays (each) in India
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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