White Reserve credit card
Metal card with milestone-based White Pass vouchers and unlimited domestic lounges.
Source: Kotak Mahindra Bank – White Reserve product page · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
Why it fits – and what to watch
hover any tile for the detail! You pay the ₹14,750 annual fee (incl. GST) – waiver needs ₹20,00,000 spend.
Where the money comes from
−₹11,357/yr · -3.5%UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
How the score of 24 is built
weights total 100% · methodologyAirport lounges with this card
Open Lounge Finder →How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 6 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- 🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
- 🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
- ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
- ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
HYD Hyderabad 4 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- 🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
- 🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk
BOM Mumbai 4 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
- 🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
- ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 3 lounges
- ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
- 🌏T2 080 International Lounge BIAL · via Priority Pass verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 3 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
AMD Ahmedabad 2 lounges
- ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified
ATQ Amritsar 2 lounges
- ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
- 🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk
GOX Goa (Mopa) 2 lounges
- ✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
- 🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk
COK Kochi 2 lounges
- ✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
- 🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified
CCU Kolkata 2 lounges
- ✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
LKO Lucknow 2 lounges
- ✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk
TRV Thiruvananthapuram 2 lounges
- ✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk
+ 30 more airports in the Lounge Finder.
Card facts
At a glance
- Milestone vouchers scale with spend
- Unlimited domestic lounges
- Value depends on hitting ₹10L+
- ₹12,500 fee
Community Q&A on the White Reserve
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the Kotak Mahindra Bank White Reserve?
Joining fee ₹12,500 and renewal fee ₹12,500, plus 18% GST (₹14,750 a year). The renewal fee is waived if you spend ₹20,00,000 in the card year.
Does the White Reserve give airport lounge access?
unlimited domestic + 8 international/yr. Unlimited domestic + 8 international.
How much can I save with the White Reserve?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is −₹11,357 a year, an effective savings rate of -3.5% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the White Reserve's reward exclusions and caps?
No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.