CardIQIndia
Corroborated — 5 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
31
#112 of 173 in credit
Kotak Mahindra Bank

White Reserve Credit Card

creditVisainfinite

Ultra-premium invite-only Kotak card with unlimited lounge access.

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value15/100 · weight 65%
≈ 0.76% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency33/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks69/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹12,500 + 18% GST
= ₹14,750 total
Annual fee
₹12,500 + 18% GST
= ₹14,750 / year total
Waiver: Spend ₹15L/yr
Forex markup
2%

Lounge access

Domestic (per year)
Unlimited
International (per year)
Unlimited

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
travelmiles4.00%(8 mi @ ₹0.50)——
diningpoints1.00%(4 pts @ ₹0.25)——
all_spendspoints0.50%(2 pts @ ₹0.25)——