Kotak Mahindra Bank Launches the White Reserve Credit Card

By | May 12, 2022
Kotak White Reserve Credit Card

Kotak Mahindra Bank has recently come up with a new super premium credit card called “Kotak White Reserve” for its affluent customers.

This stands above the Kotak white card which they launched few years ago. Here’s everything you need to know about the newly launched product.

Features & Benefits

  • Joining/renewal fee: 12,500 INR+GST
  • Welcome benefit: we don’t know yet
  • Renewal fee waiver: 12L spends
  • Rewards: upto 2.5% (milestone system – as below)
  • Lounge access: Unlimited for both primary and add on
  • Golf: 2/month across the world 
  • Membership: Club Marriott
  • Concierge services 

Below are the spend slabs to hit various milestones that gives about 2% on 10L spend and goes upto 2.5% on spends as high as 1 Crore. 

Kotak Reserve Milestone

It’s a very good attempt to serve the super premium customers of the Bank. There are certain type of profiles with very high spends for whom this card will be definitely useful.

Also for affluent Kotak customers looking for a premium credit card to stay within Kotak, this card does make sense.

But I don’t see any reason for most other existing super premium credit cardholders to go for this one. 

That aside, note that redemption options with these White Pass points is not that attractive except for one or two voucher brands.

Final thoughts 

It’s good to see that Kotak Mahindra Bank is concentrating on super premium segment and not just do away with the Kotak White Card that gives about 2.25% on 12L spends.

From the aggressive Kotak Indigo Credit Card promotions that I get even on shareholder communication emails, I can see that the bank is very much into business lately.

Looking at how thing are moving, let’s hope Kotak comes up with more interesting products and also probably speed up their application processing time.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

23 thoughts on “Kotak Mahindra Bank Launches the White Reserve Credit Card

  1. Vikram

    Hasn’t this card been there for quite some time. I remember seeing it on their site long time ago, like at least 6 months before.

    1. Siddharth Post author

      Is it? I never knew, maybe as I’ve stopped tracking proactively.

        1. Vikram

          I think you’re right. I got it mixed up with the regular White card that is not Reserve. I just checked it up.

          1. PRAMTESH

            If you see wealth Infinite and white Reserve card. Both looks similar

  2. Vaibhav Dugar

    with such a high joining fee and low rewards, an insignia card always seems like a better option

  3. Mahesh S. Panicker

    With someone like Uday Kotak building it, one would have expected something better from Kotak Mahindra range of credit cards. Somehow, they don’t seem to match up. Haven’t really come across a Kotak card that is any better than strictly average. Doesn’t seem to be different for this one too, a super-premium card with high fees, the average rewards should have been better. Think people in that class would find the unlimited lounges attractive, particularly since it is for add-on as well.

  4. Rohit Bahl

    Good to see but this card doesnt seem to be lucrative. Just received an email from Axis bank.
    Axis bank has launched 2 new card variants with a tie up with Spicejet.
    SpiceJet Axis Bank Credit Cards in two variants – Voyage and Voyage Black.

  5. Rajkumar R

    Few points to note:

    1. Waiver of ₹12,500 fee on ₹10,00,000 annual spends

    2. White Pass Validity
    White Pass balance remains valid for an additional 90 days after every anniversary cycle. For example: If your card is booked on
    1-June-2021, the balance earned for the anniversary year 1-Jun-2021 to 31-May-2022 can be claimed till 29-August-2022.

    The White Pass value will be reset to zero on every card anniversary date.

  6. ismail

    AXIS ACE card sounds “super premium” after reading Kotak White rewards

  7. Ashol

    “But I don’t see any reason for most other existing super premium credit cardholders to go for this one. ” .. totally agree with this. Also, I guess they are too late in the bandwagon.

  8. Rahul Gupta

    Are there any other super-premium credit cards that offer unlimited airport Lounge access for both primary and add on card?

    1. Mahek Shah

      Both HDFC Infinia and Diners Black give unlimited lounge access (Domestic and International) for card holders and Add-on members as well

    2. Ashwin

      HDFC Diners Black offers unlimited airport lounge access for both primary and add-on (up to 3 additional) cards at domestic and international lounges. Has a default reward rate of 3.3% and a 10K annual fee which is waived off at 5L (I think). This Kotak card needs to do better.. IMHO.

  9. Captain Bishuddha Bharatiya

    Hi Siddharth Kotak official website says that the annual fees can be waived for annual spends of Rs. 10,00,000.
    Could you tell us how often you usually get limit enhancement in Kotak credit card ?

  10. vineel vatsav

    What credit limit do we need to upgrade to this? I have white card with 5.37 limit

    1. Pramtesh

      10L base
      It’s invite-only card.
      I have 7.8L on white. I requested for LTF white Reserve. was denied.
      I know a person having 15L was offered FYF.

      1. Yasir Faraz

        I have a card with 9.5 lakh limit .
        can you please help me how to raise the request for upgrade ?

  11. Shashwat

    Can someone please tell me if rental spends are counted for in the rewards? Also, please recommend best reward credit card for rental payments of Rs 70K pm. Thanks

  12. Varun Arya

    I had a limit of 9L on my existing kotak indigo credit card, and i was given a choice to apply for this card as LTF. I did so and now i hold both the cards with a shared limit.


Leave a Reply

Your email address will not be published. Required fields are marked *