Kotak White Reserve Credit Card
Annual White Pass milestones start with ₹5,000 at ₹3 lakh eligible spend, worth ₹0.70 each as cashback.
Try your spend →How this estimate works
Kotak White Reserve gives White Pass on settled qualifying card-anniversary-year spend. Its current card-specific page lists cumulative pass balances of ₹5,000 at ₹3 lakh; ₹11,000 at ₹6 lakh; ₹20,000 at ₹10 lakh; ₹32,000 at ₹15 lakh; ₹45,000 at ₹20 lakh; ₹69,000 at ₹30 lakh; ₹95,000 at ₹40 lakh; ₹1.23 lakh at ₹50 lakh; ₹1.86 lakh at ₹75 lakh; and ₹2.5 lakh at ₹1 crore. An older general Kotak card-agreement PDF has different intermediate slabs, so this model follows the current card-specific page, and users should verify their own terms. Each pass is worth ₹1 in the catalogue, but ₹0.70 as cashback; the model uses cash value. It projects twelve identical monthly eligible retail purchases, selects only the attained annual milestone, then divides its cash value by twelve. No partial benefit is scored below ₹3 lakh. Special merchant categories and payment routes may not qualify: generic fuel, rent, wallets, utilities, insurance, government, education, rail and specialized merchant chips are not scored here; actual MCC and settlement cycle matter. Kotak lists ₹12,500 joining and annual fees, with annual fee waived at ₹10 lakh retail spend. The recurring-year estimate deducts one ₹12,500 plus estimated GST fee without assuming waiver. It excludes separate first-year joining cost, introductory offers and noncash luxury benefits. Kotak lists White Pass validity at 15 months from credit. Verify the applicable card terms, merchant eligibility and redemption route.
Issuer terms
Kotak White Reserve current milestone grid and cash value · Kotak card agreement (older grid differs) · Kotak White Reserve annual fee and waiver
Terms checked 29 September 2026. Compare your actual merchant, statement fee and redemption options.