Kotak White Reserve Credit Card: Features & Benefits

Kotak White Reserve Credit Card offers exclusive benefits to its users. Read below to know the best features and benefits of a Kotak White Reserve Credit Card

White Pass Value

• You can earn White Pass Value on reaching spending milestones. For instance, you earn a 5,000 White Pass Balance on spending Rs. 3,00,000 which is equivalent to Rs. 5,000.
• The White Pass Balance can be redeemed against gift vouchers from premium brands, flights, cashback, and curated travel expeditions by National Geographic, philanthropy and hotels.
• The White Pass value is valid for additional 90 days after the anniversary cycle and the value will be reset to zero if not claimed within the defined period.

Value of 1 White Pass –

• Rs. 1 on the White Pass catalogue
• Rs. 0.70 for cashback

Lifestyle Management Services

• You can use your card to avail assistance on travel bookings, personal shopping, restaurant reservations and more.
• With White Reserve Credit Card, you can gain access to some of the exclusive events in the world
  This card can be used to organize parties and everyday gifting

Club Marriott Membership

The card offers cardholders a complimentary Club Marriott membership valid across 350 hotels and 1,000 restaurants in the Asia Pacific. With this membership, you can enjoy:

• Up to 20% off on food and beverage bills across the Asia Pacific
• Up to 20% off on room bookings
• Up to 20% off on Spa treatments across India
• 3 certificates offering up to 50% off on food and beverage bills and 30% off on hotel stays

Other Benefits

Some other benefits offered by Kotak White Reserve Credit Card are:

• Unlimited lounge access across 1,000 airports around the world
• A minimal forex markup of 2% on international spends
• 2 golf rounds every month for primary cardholders at select golf courses across the world
• 1% fuel surcharge waiver for primary and addon cardholders across all petrol pumps in India. The waiver is applicable on transactions between Rs. 400 and Rs. 4,000

Below mentioned are the fees and charges associated with this credit card:

Particulars	Charges
Joining Fee	Rs. 12,500
Annual Fee	Rs. 12,500 (waived off on annual spend of Rs. 10 lakh or more)
Finance Charges	3.5% p.m. | 42% p.a.
Late Payment Fee	For Statement Balance: Less than or equal to Rs. 500 – Rs. 100 for an amount less than or equal to Rs.500 Between Rs. 501 to Rs. 10,000 – Rs. 500 More than Rs. 10,000 –  Rs. 700

Must read: 7 Credit Card Fees and Charges You Must Know 

Customers must meet the below given eligibility criteria in order to apply for Kotak White Reserve Credit Card:

Criteria	Details
Occupation	Salaried or Self-employed
Age	As per the bank’s discretion
Documents Required	Click here for the list of acceptable documents

Note: The eligibility criteria and acceptable documents are for indicative purposes only. The actual criteria and documents required may vary.

Kotak White Reserve Credit Card is super premium credit card offering several benefits to its users. The card is a good choice for individuals looking for a credit card offering multi-dimensional benefits such as on travel bookings, shopping and more. Also, the rewards are in the form of White Pass Value that can be redeemed against a host of benefits and can also be converted into cashback. The card further offers golf, concierge and complimentary lounge benefits to its cardholders.
However, Kotak White Reserve Credit Card comes with a high annual and joining fee of Rs. 12,500 which is quite high. Also, the fee can be waived off on milestone spending of Rs. 10 lakh which is again a very high milestone to achieve. Therefore, this card even though offering several benefits must only be chosen if, you:

• Willing to pay a high annual and joining fee of Rs. 12,500
• Can spend more than or equivalent to Rs. 10,000 in a year
• Are looking for unlimited lounge access
• Are a golf lover

Some of the cards similar to Kotak White Reserve Credit Card are

What is the income criteria for Kotak White Reserve Credit Card?
The income criteria for Kotak White Reserve Credit Card will is dependent upon the bank’s discretion.

What is the maximum limit of the Kotak White Reserve Credit Card?
The maximum limit of Kotak White Reserve Credit Card as offered to the customer will be decided depending upon the applicant’s association with the bank and several other factors such as applicant’s income, credit score and more.

What is the annual fee of Kotak White Reserve Credit Card?
The annual fee of Kotak White Reserve Credit Card is Rs. 12,500 which can be waived off on spending Rs. 10 lakh or more in an anniversary year,

Does White Pass Balance expire?
Yes, the White pass balance expires and is reset to zero if not used until 90 days from the anniversary year completion.