What is the annual fee for the Kotak White Reserve Credit Card?

The annual fee is ₹12,500. Check if you qualify for a waiver based on annual spend.

Click Apply Now on this page — it goes directly to the official Kotak Mahindra Bank application page.

Kotak White Reserve Credit Card Review 2026

Name: Kotak White Reserve Credit Card Review
Item: Kotak White Reserve Credit Card
Rating: 4.6
Author: 10 Best Credit Cards

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.

⏱ 1 min read📅 24 Mar 2026✍️ Raj Thakur

✅ Verified November 2026 · 🔍 Reviewed by editorial team · 📊 Official bank data

📋 In this article

Key Benefits
Best For
Our Honest Take

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.

Raj Thakur

Credit Card Analyst · 10BestCreditCards.com

Raj has reviewed 150+ credit cards across all major Indian banks. He specialises in cashback optimisation, travel rewards and forex savings. All data is sourced directly from official bank websites.

⚠️ Affiliate disclosure: Some links on this page are affiliate links. We may earn a commission if you apply through our links at no extra cost to you. This does not influence our rankings.

Frequently Asked Questions

Kotak White Reserve Credit Card

Key Benefits

Best For

Our Honest Take

Frequently Asked Questions

Quick Summary

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