Kotak White Reserve Credit Card

We do not have category-wise reward rates recorded for this card. Check the issuer's page before relying on it.

Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.

• Read this oneMinimum income of Rs. 25,00,000 a year — the highest published bar in the catalogue — and a minimum age of 28 rather than the usual 21.
• Read this oneIssued in nine cities only. Applicants outside Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi NCR, Hyderabad, Kolkata, Mumbai and Pune are not served.
• Read this oneRs. 12,500 joining and Rs. 12,500 annual, which is Rs. 14,750 each once GST is added.
• The annual fee is waived only on minimum retail spends of Rs. 10 lakh in a year, about Rs. 83,000 a month.
• 3 reward points per Rs. 100 is a flat and unremarkable rate for a card at this fee; the value is in the travel benefits rather than the earn rate.
• The cash advance fee is waived but interest still accrues from the date of withdrawal, so a cash advance is not free.
• Kotak publishes no credit score requirement for this card.

Salaried income

₹17,361 a month

Age

28 – 65

Credit score

750+ typically

Employment

Salaried, Self-Employed

Cities

Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi, Gurgaon, Noida, Hyderabad, Kolkata, Mumbai, Pune