CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Kotak Mahindra Bank

White Reserve Credit Card

42
Ranked #43 of 170 in credit
creditVisa InfiniteUltra-Premium (Programme-linked)Legacy · discontinued

Kotak's newest ultra-premium credit card tier, positioned above the existing "White" card, targeting Kotak Private Banking/Privy League Black relationship customers with a simplified spend-milestone reward system and curated concierge services.

Score breakdown

Data completeness: 75% · Last verified: 09 Jul 2026

Reward value33/100 · weight 71%
≈ 1.50% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency41/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks70/100 · weight 9%

Fees

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

Joining fee
₹10,000 + 18% GST
= ₹11,800 total
Annual fee
₹10,000 + 18% GST
= ₹11,800 / year total
Waiver: Fee waiver tied to maintaining eligibility in a linked Kotak Programme (Privy League Black/Platinum/Neon, Private Banking, or Corporate Salary programme); if programme eligibility lapses, standard joining/annual fees apply
Forex markup
2%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
all_spendscashback1.5%—Estimated rate based on White Pass value system; verify exact figure at application

Welcome offer

Not fully detailed; contact Kotak directly for current welcome package

Milestone benefits

Pros

  • Kotak's newest super-premium tier (sits above the existing "White" card)
  • curated concierge services (travel bookings, personal shopping, restaurant reservations)
  • simplified "direct White Pass value" reward system avoiding traditional points math

Cons

  • Fee waiver contingent on maintaining a linked Kotak Programme relationship — not a standalone consumer product for most applicants
  • limited public documentation of exact benefit figures (newer product)

What's inside

More benefits

  • Curated concierge services

    Travel bookings, personal shopping, restaurant reservations

    unlimited.

Insurance cover

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Eligibility

text
Typically requires an active Kotak Programme relationship (Privy League Black/Platinum, Private Banking, or Corporate Salary programme) for fee waiver; otherwise standard high-income criteria apply

Small print

Fuel surcharge:Not prominently detailed