Kotak White Reserve Credit Card
Kotak White Reserve Credit Card from Kotak Mahindra Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 12,500 | Reward type: Reward Points | Best for: Shopping
Estimated value per Rs 100 of eligible spend.
Kotak White Reserve Credit Card Overview
Kotak White Reserve Credit Card is a Kotak Mahindra Bank credit card. Base reward value is about Rs 0 per Rs 100 of eligible spend. Zlash uses the listed forex markup and fee facts when comparing this payment option.
Best For
Kotak White Reserve Credit Card is positioned around Shopping spends.
Not Good For
- Spends in excluded categories such as all spends below rs 3 00 000 in an anniversary year.
Welcome And Travel Benefits
Welcome: Welcome benefits are listed in extracted facts; verify current issuer terms before applying.
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
International lounge: International lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Golf: Golf benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
2% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 3,00,000 in a yearly period for benefit value around Rs 5,000.
- Spend Rs 10,00,000 in a yearly period for benefit value around Rs 15,000.
- Spend Rs 20,00,000 in a yearly period for benefit value around Rs 22,000.
- Spend Rs 30,00,000 in a yearly period for benefit value around Rs 24,000.
- Spend Rs 40,00,000 in a yearly period for benefit value around Rs 26,000.
- Spend Rs 50,00,000 in a yearly period for benefit value around Rs 28,000.
- Spend Rs 75,00,000 in a yearly period for benefit value around Rs 63,000.
- Spend Rs 1,00,00,000 in a yearly period for benefit value around Rs 67,000.
Zlash Verdict
Choose this card when shopping match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of Kotak White Reserve Credit Card?
The listed annual fee is Rs 12,500.
What is Kotak White Reserve Credit Card best used for?
Kotak White Reserve Credit Card is positioned around Shopping spends.
Does Kotak White Reserve Credit Card have reward exclusions?
Yes. The extracted exclusions include all spends below rs 3 00 000 in an anniversary year.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.