Boost Your Lifestyle with the Kotak White Reserve Card

The Kotak White Reserve Card is designed to reward high spenders with exceptional value through its White Pass program. As you reach higher spending milestones, your White Pass value increases, unlocking even greater benefits. Read on more about this card to see how it elevates your spending experience.

Key Benefits of the Kotak White Reserve Card

The Kotak White Reserve card benefits include multiple travel-related benefits, including Club Marriott membership and concierge services. Let’s know more about them in detail.

Complimentary Lounge Access

• Enjoy unlimited complimentary Priority Pass international lounge access during your tenure.
• Get unlimited complimentary domestic lounge access during your membership year.
• Kotak White Reserve card lounge access is available for both primary and add-on cardholders.

Note: In case you do not have your credit card in hand while travelling, you can also present the Digital QR code available on the Priority Pass app to avail your complimentary lounge access.

Club Marriott Membership 

• Dining Benefits: Get up to 25% discount on food and beverages at participating restaurants in India and up to 20% discount across the Asia Pacific.
• Stay Benefits: Enjoy up to 20% off on the best available Marriott hotel rooms in India and the Best Weekend Rate of rooms available in Asia Pacific.
• Personal Spa: Get up to 20% discount on selected spa treatments in India.
• Celebration Offers: Enjoy a one-time offer of 50% off on food and 30% off on beverage bills at Club Marriott. This offer allows discounts for up to 10 guests.
• Complimentary Certificates: Enjoy a flat 30% off on the best available hotels for 2 nights in India with the complimentary Marriott certificates. The Kotak White Reserve Card offers 2 certificates per year.

Concierge Services

• You can get concierge services for various kinds of tasks, such as:
  • Curating travel bookings
  • Personalised assistance in shopping
  • Dining reservations
  • Gift purchases 
  • Providing experience of exclusive events.
• You can reach your concierge or lifestyle manager from 10 am to 8 pm during your travel days.

Complimentary Golf tee-offs

• Enjoy up to 2 complimentary golf tee-offs every month at some of the finest golf courses in India and around the world. 
• To avail your golf benefits, visit the official site, log in with your credentials and confirm your bookings at the ‘Golf rounds’ tab.

Fuel Surcharge Waiver

• Enjoy 1% fuel surcharge waiver on all Indian petrol pumps for purchasing fuel between ₹400 and ₹7,500.

What is the White Pass Value Earning System for the Kotak White Reserve Card?

The Kotak White Pass is a milestone-based reward program for Kotak White & White Reserve credit cards. This means the traditional reward points earning and redemption system is replaced with a spending milestone reward earning system.

This helps to simplify the calculation of rewards earned and offers flexibility in spending the value you earn for reaching the specified milestone.

The spending milestones and the rewards for reaching the milestones in the Kotak White Reserve Card are illustrated below.

Spending Milestone	White Pass Earns
₹3 lakh	₹5,000
₹10 lakh	₹15,000
₹20 lakh	₹22,000
₹30 lakh	₹24,000
₹40 lakh	₹26,000
₹50 lakh	₹28,000
₹75 lakh	₹63,000
₹100 lakh	₹67,000
Total	₹2,50,000

This means if you reach the ₹100 lakh spending milestone in a membership year, you can earn a value of up to ₹2,50,000 in a membership year. Your yearly milestone reward earnings stop and reset at the card's anniversary date.

You can redeem your last year’s earned white pass value within the upcoming 90 days of the next year.

Suppose you get your card on the 10th of July and you spent ₹34 lakh in the previous year. This means you accumulate a white pass value of ₹66,000 until the 9th of July, 2026. Now you can redeem this value until the 7th of October, after which your earned value expires.

Kotak White Reserve Card Charges 

Charges	Amount and Conditions
Joining Fees	₹12,500
Renewal Fee	₹12,500 (waived on spends of ₹10 lakh in a membership year)
Cash Withdrawal Fees	2.5% on the withdrawal amount, subject to a minimum of ₹500
Overlimit Charges	Nil
Forex Fee	2%
Fee on Utility Spends	Nil
Interest on Late Payments	3.5% per month (42% p.a.)
Late Payment Fee	₹0 to ₹99 = ₹0₹100 to ₹500 = ₹100₹500 to ₹5000 = ₹500₹5001 to ₹10,000 = ₹600₹10,001 to ₹25,000 = ₹800₹25,001 to ₹50,000 = ₹1,000Over ₹50,000 = ₹1,200

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How to Redeem Your Club Marriott Membership on the Kotak White Reserve Card?

Follow the steps below to activate your Club Marriott Membership:

Step 1: Enter your personal details with the activation code for Club Marriott membership.

Note: You will find your Club Marriott activation code in your welcome letter for Club Marriott.

Step 2: You will receive your email with your membership number and a link to download the Club Marriott South Asia app.

Step 3: Download the app and click on “Activate membership” and enter your Membership Number to create your login credentials.

Step 4: Now your membership is on and ready for use.

Note: You need to reactivate your Club Marriott membership after renewing your credit card.

How to Get the Maximum Value from the Kotak White Reserve Card?

The Kotak White Reserve card offers White Pass value for reaching multiple spending milestones. Now, you can earn up to ₹2,50,000 worth of value for using the Kotak White Reserve Card.

Let’s understand it with an example.

Suppose you spend ₹46 lakh in a membership year before the next anniversary of your card arrives. Now, as per this spending, you cross 5 milestones as per the milestone chart available for the Kotak White reserve card.

The cumulative rewards of reaching the 5 milestones are ₹92,000.

You can redeem this White Pass value to get a value back of ₹92,000 or earn a cashback of ₹64,400. This is because the redemption value for value back is 100%, whereas the redemption value for cashback is 70%.

Things You Should Know Before Applying for the Kotak White Reserve Card

• Spend at least ₹10 lakh annually to make the card truly rewarding. 
• Be a frequent traveller to fully benefit from Priority Pass lounge access.
• Check for partner golf courses nearby. 
• Activate your Club Marriott Membership to access its exclusive perks.
• Note that White Pass spending milestones reset on your card’s anniversary or acquisition date.

Conclusion

The Kotak White Reserve Card is designed for high spenders seeking premium travel, dining, and lifestyle privileges. With milestone-based White Pass rewards, Club Marriott membership, lounge access, and fee waivers on high spends, it delivers unmatched value when used strategically throughout the year.

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