Credit Card Compare

Kotak White Reserve Credit Card

Data last updated 25 October 2026
42.00%
Purchase rate
₹12,500
Annual fee
51 days
Interest-free

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Application

CardIQ

13Basic

Basic

Overall score, out of 100 · How this works

  • Airport lounge10
  • Rewards0
  • Travel30

Customer reviews

No reviews yet. Be the first to review the Kotak White Reserve Credit Card.

Pros & cons

What's good

  • The 42% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).
  • Complimentary airport lounge access.
  • Up to 51 interest-free days on purchases, longer than most cards.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee ₹12,500 and annual fee ₹12,500 (same amount). GST/applicable taxes charged additionally as per Finance Act. Annual fee waived on annual retail spends of ₹10,00,000. Waiver also linked to programme eligibility (Privy League Black/Platinum/Neon, Private Banking, Corporate Salary). Add-on card fee is waived. The ₹12,500 annual fee is still toward the top of the market (the median is ₹749).
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Black
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Kotak White Pass Value Program

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
42.00% p.a.
Purchases
42.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹12,500 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
2%
Late payment fee
₹1,300
Over limit fee
₹0

Repayments

Interest-free period
Up to 51 days on purchases
Minimum repayment
Minimum Amount Due is calculated as 1% of all purchase transactions & cash advances & 100% of EMI, Finance Charges, Fees/Charges & Tax as applicable, subject to a minimum of ₹100 else up to the TAD amount whichever is lower.

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Earn rate
—
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days51 daysTied for best (1st of 73 cards)
Purchase rate42.00%Top 10% (4th of 91 cards)
Overseas fee2.00%Top 25% (22nd of 91 cards)
Annual fee₹12,500 a yearAmong the most expensive (86th of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Kotak Mahindra Bank