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Kotak White Reserve Credit Card
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BankKotak Mahindra Bank
NetworkVisa
Joining fee₹12,500 + GST
Annual fee₹12,500 + GST
Fee waiverRenewal fee waived on annual retail spends of ₹10,00,000 or more
Welcome bonusComplimentary Club Marriott membership
Rewards summaryWhite Pass rewards worth up to ₹2.5 lakh a year on a spend-linked ladder, redeemable at up to 1:1 for catalogue items, plus unlimited airport lounges, monthly golf and a Club Marriott membership.
Best forHigh-spending premium and HNI users who want unlimited airport lounges, luxury travel perks, golf and 24x7 concierge.
Rating4.2 / 5
Pros
  • Unlimited domestic and international airport lounge access for both primary and add-on cardholders, a rare perk even among super-premium cards.
  • White Pass rewards worth up to ₹2.5 lakh a year, redeemable at up to 1:1 for catalogue items.
  • Complimentary Club Marriott membership with dining and hotel savings across Asia Pacific.
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