Kotak White Reserve Credit Card

1. 1₹3,00,000 a year₹5,000 of value
2. 2₹10,00,000 a year₹15,000 of value
3. 3₹20,00,000 a year₹22,000 of value
4. 4₹30,00,000 a year₹24,000 of value
5. 5₹40,00,000 a year₹26,000 of value
6. 6₹50,00,000 a year₹28,000 of value
7. 7₹75,00,000 a year₹63,000 of value
8. 8₹1,00,00,000 a year₹67,000 of value

Super Premium tier — built for high spenders who want top-end perks.

Earns nothing on ordinary spend — the return here is in the milestone thresholds and perks, not a reward rate.

Frequent travellers benefit from the included airport lounge access.

KOTAK publishes no eligibility criteria for this card — no minimum income, no age band, no credit-score floor, and no document checklist. That is not an oversight on our part: the card is issued strictly by invitation, there is no public application form, and so there is nothing to qualify for in the usual sense. Any specific salary figure you see quoted for it elsewhere has been inferred by a third party, not stated by the bank.

What actually decides an invitation is the relationship behind it — balances held with the bank, spend on an existing card, and the banking segment you sit in. We set those signals out in how to get an invitation above, labelled for what they are: observed patterns, not published criteria.

Ways to convert what you earn into real value.

🎁 White Pass catalogue on Kotak Unbox — vouchers, flights, hotels and experiences at 1 White Pass = ₹1

🎁 Transfer to Kotak's airline and hotel partners, also at 1 White Pass = ₹1

🎁 Cashback / statement credit at 1 White Pass = ₹0.70

🎁 Club Marriott discounts on hotel stays, dining and spa

🎁 White Pass is valid for 15 months from the date it is credited

As a ₹12,500 metal super-premium card, the Kotak White Reserve delivers a comprehensive luxury package: unconditional unlimited lounge access, complimentary Club Marriott, two golf rounds per month, and milestone returns ranging from ~1.6% to 2.5% via White Pass. For Kotak high-net-worth clients spending ₹10 lakh or more annually, it comfortably pulls its weight, even if standalone open-market competitors like HDFC Diners Club Black offer greater everyday rewards flexibility.

Sources & verification

Fees, reward rates, and benefits for the Kotak White Reserve Credit Card are taken from Kotak Mahindra Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 14 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Kotak Mahindra Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2022 · 2 changes · last change Jun 2025

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

◆ Fee Effective 1 Jun 2025

White Reserve exempted from the bank-wide reward cuts and category fees

No category transaction fees; all spends earned White Pass → Unchanged — the revision did not extend to White Reserve

Kotak's June 2025 revision cut rewards and added 1% category transaction fees across most of its range. The White Reserve was left out of both halves. Kotak's MCC annexure lists the affected variants in two tables — one for transaction fees, one for reward and milestone exclusions — and White Reserve appears in neither, while its Key Fact Statement states the position directly: fees on rent, utility, education, fuel, wallet loading and online skill-based gaming are all "Waived". Corrected 2026-08-04: this event previously claimed the reward exclusions did hit the White Reserve and only the fee exemption applied. That was wrong in the direction that costs a reader money — it described a devaluation that never happened on this card. Its only source was a non-issuer blog, and it contradicted the Kotak annexure it named as its own provenance.

Verification: Kotak Mahindra Bank ↗ · Confidence: High

◆ Launch Effective 2022

Kotak launches the White Reserve, its metal super-premium flagship

Kotak introduced the ₹12,500 metal super-premium White Reserve, built on the milestone-based 'White Pass' reward currency with unlimited domestic and international lounge access, Club Marriott membership and two golf rounds a month. Press coverage places the launch in early May 2022; no exact launch date was published by the issuer.

Verification: CardAdvisor Research · Confidence: Reconstructed

Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.

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Source: Kotak White Reserve Credit Card value timeline — CardAdvisor

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Quick summary

Type Super Premium credit card

Reward rate 0%

Joining fee ₹12,500

Annual fee ₹12,500

Reviewed by

Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade

Last verified 14 Aug 2026

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