Kotak White Reserve vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Kotak White wins 4-2. Mid-premium Kotak card; rewards come from milestone White Pass value, not a per-spend rate. 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 | Kotak White |
|---|---|---|
| Annual fee | · ₹12,500 | ₹3,000 |
| Joining fee | · ₹12,500 | ₹3,000 |
| Top reward rate | = Milestone | = Milestone |
| Base reward rate | = Milestone | = Milestone |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | · N/A | White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹500,000 / yr |
| Min income | = Not verified | = ₹2,500,000 |
| Min credit score | = N/A | = N/A |
| Editorial rating | 4.6/5 | · 4.3/5 |
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
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›Kotak White Reserve vs Kotak White: which is better?
Kotak White wins on more dimensions (4 vs 2). 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, Kotak White 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. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.