Kotak
Kotak White Reserve Credit Card
This is an invite only card
Top Benefits
Get Up to 25% Off on Food and Beverage Bills
with an Annual Club Marriott Membership Worth ₹15,000
Enjoy Unlimited Complimentary Airport Lounge Access
Both domestic and international access is unlimited
Best For
Shopping
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹14,750 ( ₹12500 + GST )
Annual Fees
₹14,750 ( ₹12500 + GST )
Eligibility
Age
Criteria*
28-60 years
Salary
Criteria*
25LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Earn White Pass value of ₹5,000 at ₹3 lakh, ₹15,000 at ₹10 lakh, ₹22,000 at ₹20 lakh, ₹24,000 at ₹30 lakh, ₹26,000 at ₹40 lakh, ₹28,000 at ₹50 lakh, ₹63,000 at ₹75 lakh and ₹67,000 at ₹100 lakh of spends settled in a card anniversary year, for a maximum of ₹2,50,000 a year
- unlimited complimentary domestic and international airport lounge access at 1,000+ airports across the world for the primary
- 2 complimentary golf tee-offs every month at select golf courses in India and around the world for the primary cardholder
- annual Club Marriott membership across 350 Marriott hotels and 1,000 restaurants in Asia Pacific
- up to 25% off food and beverage bills in India and up to 20% across Asia Pacific
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 White Pass = ₹1
Redemption Options
- Flight & Hotel Bookings
- White Pass catalogue
- Cashback
- Gift Vouchers
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Utility Bills
Telecom
Insurance
Education
Government Spends
Rent
Wallet Loads
Online Skill-based Gaming
EMI
Cash Withdrawals/Advance
For Spends Waiver
Utility Bills
Telecom
Insurance
Education
Government Spends
Rent
Wallet Loads
Online Skill-based Gaming
EMI
Cash Withdrawals/Advance
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  2.00% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 2% |
APR Fees Finance charges of 3.50% per month 42% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.5% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees No fee is charged when redeeming | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees This fee is not applicable for this card | Not Applicable |
cheque Payment Fees A fee of 2% of the bounce amount, subject to a minimum of ₹500, is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees This fee is not applicable for this card | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001 - ₹25000 | ₹900 |
| ₹25001 - ₹50000 | ₹1100 |
| Above ₹50000 | ₹1300 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Get Up to 25% Off on Food and Beverage Bills
with an Annual Club Marriott Membership Worth ₹15,000
Enjoy Unlimited Complimentary Airport Lounge Access
Both domestic and international access is unlimited
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