Kotak White Reserve vs Axis Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis Reserve wins 6-3. Invitation-only super-premium, for ₹25L+/year spenders. Kotak White Reserve is still the right call if ultra-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | Kotak White Reserve | Axis Reserve |
|---|---|---|
| Annual fee | ₹12,500 | · ₹50,000 |
| Joining fee | ₹12,500 | · ₹50,000 |
| Top reward rate | · Milestone | 5% (general) |
| Base reward rate | · Milestone | 5% |
| Forex markup | · 2% | No FX fee |
| Welcome bonus | · N/A | 50,000 EDGE points + Taj Epicure membership |
| Fee waiver threshold | ₹1,000,000 / yr | · ₹2,500,000 / yr |
| Min income | = Not verified | = ₹5,000,000 |
| Min credit score | · N/A | 820 |
| Editorial rating | · 4.6/5 | 4.7/5 |
Benefits compared
Kotak White Reserve
- Milestone White Pass rewards, up to ₹2.5 lakh value per year
- Club Marriott membership (up to 25% off dining in India, up to 20% across Asia Pacific)
- 2% forex markup
- Annual fee waived at ₹10 lakh annual spend
Axis Reserve
- 5 EDGE points per ₹100 (effectively 5%)
- Unlimited international + domestic lounge visits
- Taj Epicure + ITC Culinaire memberships
- Concierge 24x7 globally
- 0% forex markup on first ₹15L of FX/year
- Annual ₹25K vouchers at milestones
FAQ
›Kotak White Reserve vs Axis Reserve: which is better?
Axis Reserve wins on more dimensions (6 vs 3). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Kotak White Reserve for its best categories, Axis Reserve for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Kotak White Reserve doesn't list a welcome bonus. Axis Reserve: 50,000 EDGE points + Taj Epicure membership.