Kotak White Reserve Credit Card

Name: Kotak White Reserve Credit Card — Honest Review 2026
Item: Kotak White Reserve Credit Card
Rating: 4.6
Author: 10BestCreditCards.com

Kotak Mahindra Bank · Annual Fee: ₹12,500

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✅ Verified & Updated: March 2026 📋 Data sourced from official bank website 🔗 Apply link goes directly to bank — no middlemen Always verify current terms on the official bank website before applying

Annual Fee

₹12,500

Joining Fee

₹12,500

Our Rating

4.6/5 ⭐

Forex Markup

1.75%

Lounge Access

Unlimited domestic + Priority Pass

Card Network

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Super Premium Travel Lounge Access

The Kotak White Reserve Credit Card from Kotak Mahindra Bank is a popular credit card for Ultra-premium spenders wanting exclusive banking privileges. Here is a complete breakdown of all benefits, fees and our honest rating.

Key Benefits

Rewards: 5X Rewards on spends above ₹1L/month; unlimited lounge access
Annual Fee: ₹12,500
Joining Fee: ₹12,500
Lounge Access: Unlimited domestic + Priority Pass
Forex Markup: 1.75%

Best For

Ultra-premium spenders wanting exclusive banking privileges

Our Honest Take

The Kotak White Reserve Credit Card delivers solid value if your spending matches its reward structure. Compare it against alternatives in the same category before applying. Always verify current terms on the bank official website before applying.

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