Kotak White Reserve Credit Card

• • White Passes earned will be valid for 15 months from the date of credit.

Earn White Pass value on crossing every spend milestone. Spends Milestone 3L: ₹5,000 White Pass (Total ₹5,000). 10L: ₹15,000 White Pass (Total ₹20,000). 20L: ₹22,000 White Pass (Total ₹42,000). 30L: ₹24,000 White Pass (Total ₹66,000). 40L: ₹26,000 White Pass (Total ₹92,000). 50L: ₹28,000 White Pass (Total ₹1,20,000). 75L: ₹63,000 White Pass (Total ₹1,83,000). 100L: ₹67,000 White Pass (Total ₹2,50,000). Earn White Pass Value up to 2.5 lakh annually. Only settled transactions are considered for White Pass and are counted in the anniversary cycle in which they are settled.

Joining fee

₹12,500

Annual / renewal fee

₹12,500

Annual fee waiver

₹12,500, can be waived on annual spends of ₹10,00,000

Add-on card fee

complimentary Add-on cards

Interest rate

3.5% per month (42% p.a.)

Interest-free period

48 days

Cash advance fee

2.5%, min ₹500

Overlimit fee

0%, min ₹0

Payment dishonour

₹500

Forex markup

2% foreign currency markup on international spends

DCC markup

3.50%

Fuel surcharge

1% waiver, on ₹400–₹7500 txns, max ₹400/cycle

Card management via Kotak Mobile App.

• What is the annual fee for Kotak White Reserve Credit Card?
• How to apply for Kotak White Reserve Credit Card?
• What rewards does Kotak White Reserve Credit Card offer?
• What are the eligibility criteria for Kotak White Reserve Credit Card?
• Does Kotak White Reserve Credit Card offer airport lounge access?
• Is Kotak White Reserve Credit Card worth it?