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Kotak White Reserve Credit Card
Kotak • Visa

Kotak White Reserve Credit Card

Kotak premium segment card with strong travel and lounge positioning.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹12500Waived on INR 20L annual spends
Base Reward1.5%On all spends
Lounge Access2222 domestic • 0 intl
Est. Annual Savings₹-9,650Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹5,400

Assumes base reward rate only.

Annual fee₹12,500

Waived on INR 20L annual spends

Net value₹7,100

Estimated cost after fees.

Fee waiver target: ₹20,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
4.0%
Online
2.0%
Basedefault
1.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • Kotak White Reserve Credit Card is best positioned as a travel + international specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 4.0% on travel-aligned lanes, while broad base return remains closer to 1.5%.
  • Current mapped lounge footprint is 22, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and international spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 12,500 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹12,500
  • Annual fee₹12,500
  • Waiver threshold₹20,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count22
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows22
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports4
  • Approval reports2

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Kotak White Reserve Credit Card using your current year spend.

₹0 spent₹20 target

Policy signal used: Waived on INR 20L annual spends

Spend threshold

Waived on INR 20L annual spends

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

22 airport lounge rows
View lounge map and location list22 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

Amritsar

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

AMR • Amritsar Airport • Terminal 1

Bengaluru

1 lounges • 1 domestic • 0 international

1
BLRDomestic

BEN • Bengaluru Airport • Terminal 1

Chandigarh

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

CHA • Chandigarh Airport • Main Terminal

Chennai

3 lounges • 3 domestic • 0 international

3
Travel Club LoungeDomestic

CHE • Chennai Airport • Terminal 4

Travel Club Lounge ADomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge BDomestic

CHE • Chennai Airport • Terminal 1

Dabolim

1 lounges • 1 domestic • 0 international

1
Brew House DabolimDomestic

DAB • Dabolim Airport • Terminal 1

Dehradun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DEH • Dehradun Airport • Terminal 1

Goa

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

GOA • Goa Airport • Terminal 1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Terminal 1

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 2

Kochi

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

KOC • Kochi Airport • Terminal 1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Terminal 1

Mumbai

2 lounges • 2 domestic • 0 international

2
Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 2

Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal 1c

New Delhi

3 lounges • 3 domestic • 0 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 1

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 2

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 3

Pune

2 lounges • 2 domestic • 0 international

2
Elysian Lounge FFDomestic

PUN • Pune Airport • New Terminal

Elysian Lounge GFDomestic

PUN • Pune Airport • New Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Premium lounge and travel privileges
  • Enhanced rewards on high-value category spends
  • Luxury-focused card service layer

Things to Consider

  • High annual fee
  • Maximum value requires high spend and premium redemption
  • Issuer may revise premium card benefits over time

About Kotak White Reserve Credit Card

Kotak White Reserve Credit Card is a points card from Kotak, best for kotak users upgrading to premium travel-lifestyle tier. It is tagged under premium, travel, rewards, international, lifestyle categories in our database.

PremiumTravelRewardsInternationalLifestyle

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Frequently asked questions

Is Kotak White Reserve Credit Card lifetime free?

It has an annual fee of ₹12500. Waived on INR 20L annual spends

What rewards does Kotak White Reserve Credit Card offer?

Kotak premium segment card with strong travel and lounge positioning.

Does Kotak White Reserve Credit Card include lounge access?

Kotak White Reserve Credit Card lists 22 lounge visits (22 domestic, 0 international).

Who should consider Kotak White Reserve Credit Card?

Kotak users upgrading to premium travel-lifestyle tier

Where can I apply for Kotak White Reserve Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.