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Kotak Mahindra Bank

Kotak White Reserve

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🇮🇳 India · Kotak Mahindra Bank

Kotak White Reserve

Name: Kotak White Reserve
Brand: Kotak Mahindra Bank
Rating: 4.6 (50 reviews)

Premium dining + travel without breaking the ₹3K-fee tier.

4.6 / 5

Joining fee

₹3,000

Annual fee

₹3,000

Top reward

Min income

₹1,800,000

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5-year value calculator

How much Kotak White Reserve actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹15,000

Annual fee₹0 (waived ✓)

Cumulative net value

+₹75,000

over 5 years

Year 1

₹15,000

+₹15,000/yr

Year 2

₹30,000

+₹15,000/yr

Year 3

₹45,000

+₹15,000/yr

Year 4

₹60,000

+₹15,000/yr

Year 5

₹75,000

+₹15,000/yr

Year 1 (with bonus)

₹15,000

Year 2+ (steady state)

₹15,000/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

dining

📈

travel

📈

Everything else

1.5%

📈

🎁

Welcome bonus

5,000 reward points + Marriott Bonvoy Silver Elite

What you get

4 reward points/₹100 on dining + travel
6 international Priority Pass visits/year
24 domestic lounge visits/year (DragonPass)
Marriott Bonvoy Silver Elite included
1.99% forex markup

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹1,800,000

Min credit score

780+

Self-employed

Eligible

MatchYour SaaS · pays best on this card

Best SaaS to pay with the Kotak White Reserve

The SaaS subscriptions where Kotak White Reserve earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹2,44,486/yr.

Top match

Big forex win