Kotak White Reserve offers 2% back — no earn rate
Kotak White Reserve has no per-swipe points, offering 2% back at ₹10 lakh spend milestone, scaling to ₹2.5 lakh of value at ₹1 crore. This card provides unlimited lounge visits for primary and add-on cards.
Kotak Mahindra Bank has introduced the White Reserve card with a unique rewards structure, offering no points per transaction. Instead, cardholders can unlock White Pass milestones, with rewards valued up to ₹2.5 lakh at ₹1 crore annual spend. The White Reserve card has an annual fee of ₹12,500, providing unlimited lounge visits for primary and add-on cards, as well as Club Marriott membership. This card seems to be designed for high-spending individuals who value lounge access and milestone rewards. Our take: if you’re a high spender looking for a card with unlimited lounge access and milestone rewards, the Kotak White Reserve might be worth considering. However, for most users, a traditional rewards card with a per-swipe earn rate might be more beneficial.