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KOTAK
Unlimited worldwide lounge access for the add-on holder too, and a 2% foreign currency markup
One-time
Waived on ₹10,00,000/yr
Uncapped rewards
Score 750+
Applying takes you to KOTAK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from KOTAK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromEverything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
3% on Everything else — Kotak publishes no rupee value for the point on this card; the value is in the White Pass and the 2% forex markup., with no stated cap.
Biggest limitation
Minimum 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.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
3 pts
uncappedEverything else
Kotak publishes no rupee value for the point on this card; the value is in the White Pass and the 2% forex markup.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹14,750 | — |
| Annual / renewal fee | ₹14,750 | Rs. 12,500 joining and Rs. 12,500 annual, waived on minimum retail spends of Rs. 10 lakh in a year |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹300 | Waived on the White Reserve card |
| Late payment | Rs. 100 where the statement outstanding is up to Rs. 500, Rs. 500 from Rs. 500.01 to Rs. 10,000, and Rs. 700 above Rs. 10,000 | — |
| Foreign currency markup | 2% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹10,00,000 a year
is what it takes to keep the ₹14,750 fee off — about ₹83,333 a month
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
KOTAKKotak Air+ Credit Card₹3,540
KOTAKKotak Air Credit Card₹1,179
KOTAKKotak Urbane Gold Credit Card₹235
KOTAKKotak White Credit Card₹3,540
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177
IDFC BANKIDFC FIRST Mayura Credit Card₹7,079| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Kotak White Reserve Credit Card · this card | ₹14,750 | 3% everything else | Included |
| Kotak Air+ Credit Card | ₹3,540 | Up to 5 miles per ₹100 | Included |
| Kotak Air Credit Card | ₹1,179 | Up to 3% rewards | Included |
| Kotak Urbane Gold Credit Card | ₹235 | Up to 0.3% rewards | No |
| Kotak White Credit Card | ₹3,540 | Up to 8 reward points per ₹150 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹14,750 plus GST, waived on ₹10,00,000 of annual spend.
The strongest published rate is 3% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. The issuer publishes no additional spend condition for this card's lounge access.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
KOTAK publishes about ₹17,361 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
A minimum income of Rs. 25,00,000 a year, an age between 28 and 65, and residence in one of nine cities: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi including Gurgaon and Noida, Hyderabad, Kolkata, Mumbai and Pune. Add-on cardholders must be 18 or older. Kotak publishes no credit score requirement.
Rs. 12,500 as a joining fee and Rs. 12,500 annually, which is Rs. 14,750 each once 18% GST is added. The annual fee is waived on minimum retail spends of Rs. 10 lakh in a year, about Rs. 83,000 a month.
Yes, at over 1,000 airports worldwide, and for the add-on cardholder as well as the primary. It is unconditional — there is no quarterly spend requirement, which is unusual even among cards at this fee.
2%, against the 3.5% almost every other Indian card charges. On Rs. 5,00,000 of overseas spending that is roughly Rs. 8,850 less once GST on the markup is counted, which for a frequent traveller offsets a meaningful share of the annual fee.
3 reward points per Rs. 100 spent, as a flat rate with no categories to track, plus White Pass benefits valued by Kotak at up to Rs. 2.5 lakh a year. The earn rate is ordinary for the fee; the lounge access and the 2% markup are what the card is for.
The fee is, on this card. Interest is not — it accrues from the date of the withdrawal at 3.5% a month, with no interest-free period, exactly as on every other Indian credit card. A cash advance is cheaper here, not free.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Kotak White Reserve Credit Card — 3% on everything else. ₹14,750 a year.