Our Money Guide

Kotak White Reserve Credit Card is a super premium credit card from Kotak Mahindra Bank. It has a simple reward structure wherein you can get upto 2.50% rewards on annual card spend milestones.

You also get lifestyle privileges like unlimited complimentary access to airport lounges in India and abroad, free golf rounds across the world (2 per month), and luxury concierge services.

Kotak White Reserve Card

Brief Summary

Our Rating
3.75 / 5

Our View

Best for flat rate cashback since you get rewards on all spends , through an annual card spend based milestone program called White Pass. You can earn upto 2.25% through this program.

You also get lifestyle privileges like complimentary access to airport lounges in India (2 times per quarter) and abroad (4 times per year).

Annual fee is waived from the 2nd year onwards , if you spend ₹5 lakhs or more per year.

on Kotak Mahindra Bank website

Kotak White Reserve Credit Card

Special Benefits

Upto 2.25% benefit on all spends

Other Benefits

Complimentary airport lounge access both in Indian and abroad

Minimum Income

Not specified

Annual Fee

₹ 3000

Annual Fee Offers

Welcome offer worth ₹1500

Brief Summary

Our Rating
4.0 / 5

Our View

Kotak IndiGo 6E Rewards XL Credit Card provides attractive rewards (6%) when you fly on Indigo. You also get other travel benefits such as complimentary lounge access – upto 2 times per quarter, reduced convenience fee on Indigo etc.

You get attractive welcome offers which compensate for joining fee. However the card has no renewal offers, hence is suitable only for those who fly very frequently on Indigo.

Pros & Cons

Benefits of using the card

  • You can get upto 2.50% benefit on all card spends, through the spend based milestone program – White Pass
  • You get unlimited complimentary access to airport lounges both in India and abroad
  • You get complimentary golf across the world – 2 free golf rounds per month

Limitations and drawbacks to consider

  • You can get better rewards with other premium cards available in the marketplace

Comparing with Competitor Fuel Credit Cards

Features
HDFC Indian Oil Credit Card
Our Rating
       
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Axis Bank Indian Oil Credit Card
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Rewards Rate 0.2% – 4.8%

0.20% – 4%

Other benefits Fuel Surcharge Waiver Fuel Surcharge Waiver
Annual Fee ₹500

₹500

Annual Fee Offers Zero renewal fees – if minimum spending in the previous year is ₹50,000 Zero renewal fees – if minimum spending in the previous year is ₹50,000
Minimum Income Over ₹10,000 monthly for salaried individuals and over ₹6 Lakhs per annum for self-employed individuals.

Not Specified

Features & Benefits of Kotak White Reserve Credit Card

Upto 2.50% benefit through card spend based milestone program – White Pass

You earn White Pass value at 8 levels of annual card spend–
1. At ₹3 lakh spend, you get 5000 White Pass value worth ₹5000
2. At ₹10 lakh spend, you get additional 15000 White Pass value worth ₹15000
3. At ₹20 lakh spend, you get additional 22000 White Pass value worth ₹22000
4. At ₹30 lakh spend, you get additional 24000 White Pass value worth ₹24000
5. At ₹40 lakh spend, you get additional 26000 White Pass value worth ₹26000
6. At ₹50 lakh spend, you get additional 28000 White Pass value worth ₹28000
7. At ₹75 lakh spend, you get additional 63000 White Pass value worth ₹63000
8. At ₹1 crore spend, you get additional 67000 White Pass value worth ₹67000

Hence at ₹1 crore card spend, you would earn a total of 2.50 lakhs White Pass Value worth ₹2.50 lakhs – 2.50% reward rate.

1 White Pass = ₹1. You can redeem White Pass value for an exclusive range of gift vouchers of premium brands, flights, hotels and more. You can also redeem White Pass for cashback, at a lower rate of 1 White Pass = ₹0.70 (70 paise)

Unlimited complimentary access to airport lounges in India

You get unlimited free visits to airport lounges across India.

Please click here to view the list of lounges.

Unlimited complimentary access to international airport lounges

You get unlimited free visits to international airport lounges across the world, through the Priority Pass program.

For details, please visit the Priority Pass website.

Complimentary golf across the world – 2 free golf rounds per month

You get free golf rounds across the world, 2 times per month

Low foreign transaction fee of 2%

You get a low fee of 2% on all card transactions outside India, most cards in India charge around 3.50%.

This fee is charged on the value of the transaction.

Luxury lifestyle management services

You get a variety of lifestyle management services:
– Curated travel experiences : You enjoy a wide range of unique travel experiences organized for you
– Personal shopping team : Curation and negotiation of special purchases and deals on luxury brands for you
– Fine dining reservations : You enjoy tables at the finest restaurants across the world
– Everyday gifting : Special gifts and deliveries for your loved ones
– Exclusive events and experiences : You can access the most sought-after events and experiences around the world

Fuel surcharge waiver, upto ₹4500 per year 

You get 1% fuel surcharge waiver, only on fuel transactions between ₹400 and ₹4000. And only on yearly fuel purchases upto ₹4.50 lakhs per calendar year (since the maximum waiver amount is capped at ₹4500 per year).

Kotak customer care number

Please click here to see all options on how to contact the bank.

Kotak ‘Everyday Specials

You get exclusive everyday special offers. These offers can be found on the official Kotak website and includes discounts, cashback, rewards, and other benefits across various categories such as dining, shopping, travel, and more.

Important Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹12,500Welcome offer –
You get a complimentary Marriott membership, with multiple stay & dining benefits
– Fine dining : Upto 25% off on the food and beverage bill at participating restaurants in India, and upto 20% off across Asia Pacific – for up to 10 guests (not applicable on Sunday Brunches)
– Luxurious stays : Upto 20% off on the best available rate of rooms in India and best weekend rate of rooms available in Asia Pacific
– Personal care : Up to 20% off on select spa treatments in India
– Celebration certificate : 1 certificate offering 50% off on food and 30% off on beverage bills, for up to – 10 guests at all-day dining restaurants in India
– Complimentary certificates : 2 certificates offering flat 30% off on the best available rate for 2 nights stays (each), in India
Renewal fee from 2nd year onwards₹12,500Renewal offer
– Annual fee is not charged from the second year onwards, if you spend ₹10 lakhs or more in the previous year.

Foreign currency mark-up fee
2% of the transaction amount. This fee is charged when you use your card outside India.

Interest Charges on outstanding Balances
3.50% per month (42% per annum)

Important note
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– Please click here to view all fees & charges on this card

Eligibility Criteria

Some basic criteria is given below, there maybe additional requirements based on your profile, this is at the sole discretion of Kotak Mahindra Bank.

Minimum age Primary cardholders : 21 years
Add-on cardholders : 18 years or above
Maximum age65 years
Residency Resident of India
Minimum incomeNot specified
Other criteriaRegular source of income, good credit score preferably above 750
Cities at which card is availableCard is only given at the following cities – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune

Application Process & Tracking Application Status

Step-by-step guide

Online application process 
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Kotak Mahindra Bank website. You can also visit official website of the bank and fill out the application form.

Steps –
1. Fill in the required details in the online application form, including personal and employment details, contact information, and income details.
2. Submit the application form along with the necessary documents such as identity proof, address proof, income proof and age proof.
3. Once your application is received, Kotak Mahindra Bank will review your application and verify the information provided.
4. Upon successful verification, you will receive a confirmation, and your Credit Card will be dispatched to your registered mailing address.
Offline (face to face)  application processAlternatively, you can also apply for the card by visiting the nearest Kotak Mahindra Bank branch, and submitting your application along with the necessary documents. To find the branch nearest to you, please visit here.
Tracking card application statusYou can track your credit card application status by clicking here – Kotak Credit Card Application Status

Necessary documents

Common documents required to attain a credit card are as follows. Additional documents may be required on a case-to-case basis, this is at the sole discretion of Kotak Mahindra Bank.

Required documents 
For salaried employees :
Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one)
Address proof : Utility bill, ration card, passport, driving license, voter ID card (any one)
Income proof : Salary slips, Form 16, income tax returns (any one)
Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one)

For self-employed professionals :
– Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one)
– Address proof : Utility bill, ration card, passport, driving license, voter ID card , last two months’ bank statement (any one)
– Income Proof : Income tax returns with computation of income, certified financial documents, proof of business continuity (any one)
– Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one)
Apply Now

on Kotak Mahindra Bank website

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