Super Premium
Kotak White Reserve Credit Card
Kotak 8.1
CardTrail Score
Very Good
out of 10
Annual Fee
₹12,500
Spend ₹15L/year
Forex Markup
2%
Reward Rate
2%
Up to 5%
Lounge Access
Unlimited
domestic | Unlimited intl
About This Card
The Kotak White Reserve Credit Card is a super-premium credit card from Kotak with an annual fee of ₹12,500. It offers a base reward rate of 2.0% with up to 5.0% on select categories. Key perks include unlimited lounge access, fuel surcharge waiver. Best suited for frequent travellers and luxury spenders.
Pros & Cons
Pros
- Strong 2.0%+ base reward rate
- Low forex markup at 2.0%
- Generous lounge access benefits
- Fuel surcharge waiver saves on petrol/diesel
Cons
- High annual fee of ₹12,500
- 2.0% forex markup on international transactions
- Requires minimum ₹25L annual income
Fee Details
Annual Fee
₹12,500
Joining Fee
₹12,500
Fee Waiver Condition
Spend ₹15L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
2%
Max Rate
5%
Currency
Kotak Rewards
Welcome Bonus
12,500 Kotak Rewards
Lounge Access
Domestic Lounges
Unlimited
International Lounges
Unlimited
Key Highlights
- + Annual fee ₹12,500 (waiver: Spend ₹15L/year)
- + Up to 5.0% rewards on accelerated categories
- + Unlimited domestic lounge access
- + Unlimited international lounge access
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Quick Summary
Best For
travel luxury
Annual Fee ₹12,500
Base Reward 2%
Max Reward 5%
Forex Markup 2%
Network Visa Infinite
Min Income ₹25L+
CardTrail Score
Best For
travel luxury
