Kotak White Reserve Credit Card
Card Details
Card Details
- Issuer
- Kotak Mahindra Bank
- Card type
- Ultra Premium
- Joining fee
- ₹12,500 + GST
- Annual fee
- ₹12,500 + GST
- Rewards currency
- White Pass Value
Highlights
Highlights
- Unlimited domestic and international lounge access
- White Pass rewards on spend milestones
- Complimentary Club Marriott membership
Welcome benefits
Welcome benefits
- Joining Fee : ₹12,500
- Fee Waiver : On annual spends of ₹10,00,000
- Complimentary Club Marriott Membership.
Reward earning
Reward earning
| Spend Milestone | White Pass Value | Cumalative White Pass Value |
|---|---|---|
| ₹3 Lakhs | ₹5,000 | ₹5,000 |
| ₹10 Lakhs | ₹15,000 | ₹20,000 |
| ₹20 Lakhs | ₹22,000 | ₹42,000 |
| ₹30 Lakhs | ₹24,000 | ₹66,000 |
| ₹40 Lakhs | ₹26,000 | ₹92,000 |
| ₹50 Lakhs | ₹28,000 | ₹120,000 |
| ₹75 Lakhs | ₹63,000 | ₹183,000 |
| ₹100 Lakhs | ₹67,000 | ₹250,000 |
Lounge access
Lounge access
- Unlimited complimentary domestic lounge access for primary and add-on cardholders.
- Unlimited complimentary international lounge access via Priority Pass.
Milestone Benefits
Milestone Benefits
- White Pass value is unlocked after ₹3,00,000 spends and increases as you hit higher spend slabs.
- Renewal fee waiver on ₹10,00,000+ spends in the previous year.
Additional Benefits
Additional Benefits
- Unlimited domestic and international lounge access for primary & add-on cardholders.
- 2 complimentary golf rounds each month at select courses.
- Club Marriott membership and dining offers (up to 20% off at participating Marriott hotels across Asia Pacific).
- Low forex markup of 2% on international transactions.
Review
Review
Kotak White Reserve is a ultra-premium card that give flat returns on hitting milestones. But the reward rate does not feel premium. Kotak Mahindra bank will need to do better to attract UHNIs