Kotak White Reserve Credit Card
Kotak White Reserve Credit Card: a metal credit card that earns White Pass value of up to ₹2,50,000 in a card anniversary year across eight spend milestones (₹5,000 at ₹3 lakh, ₹15,000 at ₹10 lakh, ₹22,000 at ₹20 lakh, ₹24,000 at ₹30 lakh, ₹26,000 at ₹40 lakh, ₹28,000 at ₹50 lakh, ₹63,000 at ₹75 lakh and ₹67,000 at ₹1 crore), redeemable at 1 White Pass = ₹1 on gift vouchers of premium brands, flights, hotels and transfers to airline and hotel partners or at 1 White Pass = ₹0.70 as cashback, plus unlimited complimentary domestic and international airport lounge access at 1,000+ airports for the primary and add-on cardholders, 2 complimentary golf tee-offs every month, an annual Club Marriott membership worth ₹15,000, a luxury lifestyle concierge, a 2% forex markup and a 1% fuel surcharge waiver, for a ₹12,500 joining fee and a ₹12,500 annual fee that is waived on annual retail spends of ₹10,00,000
Smart Analysis
Fee Waiver Logic
If your yearly spends cross the waiver limit, this card practically becomes FREE while still giving premium cashback returns.
Redemption
- Flight & Hotel Bookings
- White Pass catalogue
- Cashback
- Gift Vouchers
All Card Benefits
Detailed reward structure and cashback analysis
Earn White Pass Value of Up to ₹2,50,000 Every Year on Annual Spends of ₹1 Crore
against gift vouchers of premium brands, flights, hotels and transfers to airline and hotel partners
Enjoy Unlimited Complimentary Airport Lounge Access
Both domestic and international access is unlimited
Get Up to 25% Off on Food and Beverage Bills
with an Annual Club Marriott Membership Worth ₹15,000
Get Up to 25% Off on Food and Beverage Bills
with an Annual Club Marriott Membership Worth ₹15,000
Enjoy Unlimited Complimentary Airport Lounge Access
Both domestic and international access is unlimited
| Age Criteria | 28-60 years |
| Salaried Income | ₹25 LPA |
| Self Employed Income | ₹25 LPA |
| CRIF Score | 720+ |
| Income Comment |