White Reserve Credit Card - Fees and Charges

Know More

Kotak White & White Reserve Credit Card customers

White Pass

One card for unparalleled luxury

Simple Milestone Structure

No need to calculate points. Earn direct White Pass value on crossing spend milestones

Unmatched Value

Earn White Pass Value up to ₹ 2.5 lakh annually

Curated Redemption Catalog

Includes gift vouchers of premium brands, flights, hotels and more

Cashback

Redeem your White Pass balance for Cashback

Luxury Lifestyle Management Services

Get access to the most exclusive global events and experiences

Exclusive services

Curated services including travel bookings, personal shopping, restaurant reservations and many more

Mega Events

Get access to some of the most sought after events in the world

Everyday Gifting

Making every occasion unforgettable with personalized services like sending gifts and organizing birthdays

Curated Experiences

Event organization and custom services to fit your individual needs

Club Marriott Membership

Applicable across 350 hotels and 1000 restaurants in Asia Pacific

Fine Dining

Up to 25% off on the food and beverage bills in India and up to 20% off across Asia Pacific

Luxury stays

Up to 20% off on Best Available Room Rates in India and Weekend Room Rates in Asia Pacific

Personal Care

Up to 20% off on Spa treatments in India

Celebration Certificates

3 certificates offering up to 50% off on F&B bills and 30% off on hotel stays

There’s much more to White Reserve

Enjoy unique benefits with your card

Metal Card

Exquisitely crafted in metal

Complimentary lounge access**

Unlimited lounge access at 1000+ airports across the world for primary and Add-on cardholders

Minimal Forex Markup

2% foreign currency markup on international spends

Golfing Privileges

2 Free golf rounds each month at select golf courses across the world for the primary cardholder

Other benefits

1% fuel surcharge* across all petrol pumps in India and complimentary Add-on cards

Important Considerations:

* Get 1% fuel surcharge waiver across all petrol pumps in India. Applicable on transactions between ₹ 400 – ₹ 4000. Maximum fuel surcharge waiver of ₹ 4500 in a year.
**Please note, w.e.f. 01st October, guest charges and charges after complimentary visits are exhausted, will be revised to $35 per guest, per visit.
***As per internal norms, customer can hold only one active White or White Reserve Credit Card. White Pass will not be credited if customer holds multiple active White and/or White Reserve cards.

Understand the fees and charges involved

Fee & other Parameters	White Reserve (Paid Variant)
Joining Fees	Rs. 12,500
Annual Fees	Rs. 12,500
Condition for waiver of Annual Fees	Annual Spends of Rs 10lac
Addon card Fees	Nil
Interest Charges on outstanding Balances	3.5% (Annualized 42%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	MAD can be 5% or 10% of TAD as decided by the Bank
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof	2.5% on advance amount, subject to minimum of ₹500
Late Payment Charges ("LPC")	Due as per last statement	LPC charges
	<₹100	₹0
	₹100 - ₹500	₹100
	₹501 - ₹5,000	₹500
	₹5,001 - ₹10,000	₹600
	₹10,001 - ₹25,000	₹800
	₹25,001 - ₹50,000	₹1,000
	>₹50,000	₹1,200
Over Limit Charge	Waived
Cheque Bounce Charges	2% of bounce amount, subject to minimum of ₹500
Standing Instruction Failure / Auto-debit return fee	2.0% on bounce amount, subject to minimum of ₹450
Foreign Currency Mark Up	2.0%
Fuel Surcharge (1% on transaction)*	Waived
Fee for Cash payment at Bank	Waived
Outstation Cheque Processing Fee	Waived
Reissue/ Replacement Card (per issunace)	Waived
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non Parent Bank ATM	Waived
Duplicate Statement Request	Waived
Furnishing a copy of Credit Information	Rs. 50
Web Pay Service Fee	Waived

Waiver of fees for Credit Cards linked to Programme is subject to maintaining eligibility of respective Programme.

Programme refers to Kotak Bank and Group product propositions like Privy League Black / Privy League Platinum / Privy League Neon programme / Private Banking / Corporate Salary programme. For details on the programme eligibility and cards offered, please visit www.kotak.com

In case, programme eligibility is not met or if customer is degraded from higher variant programme to lower variant, customer will not be given programme linked fee waiver and will be required to pay Joining/Annual fees

Please Note:
GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card
*Fuel surcharge to be waived only for transactions between values of Rs. 400 - Rs. 4000. Maximum Fuel surcharge waiver of Rs. 4500 in a calendar year

Get 15% off up to Rs. 4,000 on tickets