Kotak White Reserve Credit Card
Kotak Mahindra Bank · Checked 2026-10-17
A high-fee metal card built for affluent customers who can use global lounges, milestone value and premium services repeatedly.
CardIQ editorial view
Our take
A high-fee metal card built for affluent customers who can use global lounges, milestone value and premium services repeatedly.
Who it suits
- High-spending international travellers.
- Households that can use add-on lounge access and premium privileges.
Key strengths
- Unlimited global lounge access plus a 2% forex markup.
Trade-offs to understand
- The ₹12,500 fee is substantial and the waiver requires ₹10 lakh of eligible annual spend.
- Kotak's headline value illustration assumes spending as high as ₹30 lakh a year.
CardIQ verdict
It can justify its fee for frequent premium travellers, but low or moderate spenders should not rely on the issuer's maximum-value illustration.
Compare before deciding
- HDFC Bank INFINIA Metal Edition — Compare premium travel redemption, lounge access and qualification requirements.
- IDFC FIRST Diamond Reserve — Compare another high-fee premium travel proposition.
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Benefits, limits and conditions
- Unlimited global lounge access for primary and add-on cardholders, subject to programme terms.
- 2% foreign-currency markup and two complimentary golf rounds each month at selected courses.
- Issuer value illustrations assume very high annual spending; actual value depends on benefit use.