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Kotak Mahindra Bank

Kotak White Reserve Credit Card

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Annual Fee

₹12,500

Reward Type

Points

Forex

2%

Lounge

8 dom · 4 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹12,500
Annual Fee₹12,500
Min Monthly Income₹2,50,000

Rewards

Reward TypePoints
Base Rate3.33%
Point Value₹0.25/point

Redemption Values

airlines₹1/pt
hotel transfer₹1/pt
statement credit₹0.25/pt
gift vouchers₹0.25/pt

Travel & Global

Forex Markup2%
Domestic Lounge8 visits/yr
Intl. Lounge4 visits/yr
Lounge NetworkPriority Pass, DreamFolks

Similar Cards

Kotak Privy League Signature Credit Card (100%) →AU Zenith Credit Card (99%) →Axis Magnus for Burgundy (99%) →ICICI Emeralde Private (99%) →IDFC FIRST Wealth Credit Card (99%) →

⚖️ Breakeven Analysis

To recover the ₹12,500 annual fee at the base reward rate of 3.33%, you need to spend ₹3,75,376 annually.

🎯 Pro Tips

  • ▸10 RP per ₹150 spend (3.33 RP/₹100) — one of the highest base earn rates.
  • ▸8 domestic lounges + Priority Pass for unlimited international access.
  • ▸Welcome benefit: ₹5,000 Tata CLiQ Luxury vouchers on first spend.
  • ▸Dedicated concierge, 24/7 travel desk, golf + spa privileges.
  • ▸Surpasses Kotak White significantly in both rewards and benefits.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

-₹2,510

Effective Rate

-0.2%

Ranked #166 of 173 cards#166

₹12,500 annual fee deducted from gross rewards value.

🔄 Redemption Pathways - Value per Point

MethodValue
Kotak Travel PortalBEST₹1.0/pt via Travel

🏷️ Best For

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