White Reserve Credit Card

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 value of ₹400 and ₹7,500, allowing you to avail a maximum fuel surcharge waiver of up to ₹4,500 in a calendar 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.

For the White Reserve RuPay variant, please contact Customer Care or your RM during new card issuance or renewal.

Earn value on crossing every spend-milestone

Spends Milestone*	White Pass earns	Total White Pass Value
3L	₹ 5,000	₹ 5,000
10L	₹ 15,000	₹ 20,000
20L	₹ 22,000	₹ 42,000
30L	₹ 24,000	₹ 66,000
40L	₹ 26,000	₹ 92,000
50L	₹ 28,000	₹ 1,20,000
75L	₹ 63,000	₹ 1,83,000
100L	₹ 67,000	₹ 2,50,000

What is White Pass?

White Pass is the reward point earned on achieving spend milestones within your card anniversary cycle on your Kotak White Reserve Credit Card. It can be redeemed via Kotak Unbox.

* Applicable on spends settled in a card anniversary year.

Here’s everything you can redeem your White Pass balance on

Gift vouchers of premium brands
Flights
Hotels
Cashback
Transfer to Airline & Hotel Partners

And all you need to do is

Login to Kotak Mobile app
Select offerings you want to redeem your White Pass for
Once redemption is done, you will receive a confirmation over email & SMS with the details of redemption

Earn White Pass value on crossing every spend milestone

1 White Pass = ₹1 on White Pass catalog (for all options except cashback)
1 White Pass = ₹0.70 for cashback

White Pass Validity

White Passes earned will be valid for 15 months from the date of credit.

Only settled transactions are considered for White Pass and are counted in the anniversary cycle in which they are settled. For example, if a customer having a card anniversary of 1st March,2026 to 28th February,2027 does a transaction on 28th Feb,2027 which is settled on 1st March,2027, it will be counted in the new anniversary cycle, i.e. 1st March,2027 – 28th February,2028

Kotak White Reserve. Exquisitely crafted in METAL.