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White Reserve

by Kotak · Visa · Super Premium · Retail
super premiumlounge accesslow forex
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Fees & charges

Joining fee₹12,500
Annual fee₹12,500
Fee waiverNo fee waiver
Forex markup2%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of the advance amount, subject to a minimum of ₹500
Late payment fee
<=₹100₹0
>₹100-₹500₹100
>₹500-₹1000₹500
>₹1000-₹5000₹600
>₹5,000-₹10,000₹750
>₹10,000-₹25,000₹900
>₹25,000-₹50,000₹1,100
>₹50,000₹1,300

Rewards & Lounge access

RewardsWhite Pass milestone-based rewards worth up to Rs.2.5 lakh annually, redeemable for premium brand vouchers, flights, hotels and cashback
Lounge accessUnlimited lounge access at 1000+ airports worldwide for primary and add-on cardholders
NetworkVisa
CategorySuper Premium
Card typeRetail

Key features

  • White Pass milestone-based rewards worth up to Rs.2.5 lakh annually, redeemable for premium brand vouchers, flights, hotels and cashback
  • Unlimited lounge access at 1000+ airports worldwide for primary and add-on cardholders