Kotak Mahindra Bank · Super-premium
Kotak White Reserve
Get an email if this card changes - sign in.
Reward rules1 direct
Base rate - everything not covered below
0.00%base rate
0 pts / ₹100
source
Source: Kotak White Reserve White Pass (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on2 exclusions
Fuel
earns nothing
Fuel-surcharge-waiver transactions accrue no points (MITC); no card-specific MCC exclusion list is published for White Reserve.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Kotak MITC (KOTMITC/07/2026 v2, 31 Jul 2026) - kotak.com - read 22 Aug 2026
EMI
earns nothing
EMI, cash advances and fees excluded from milestone spends (MITC).
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Kotak MITC (KOTMITC/07/2026 v2, 31 Jul 2026) - kotak.com - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
Club Marriott
Club Marriott membership: up to 25% off food and beverage bills in India, up to 20% off across Asia Pacific, plus 3 certificates up to 50% off F&B bills
Source: Kotak Mahindra Bank - White Reserve Credit Card - kotak.bank.in - read 11 Oct 2026
25%membership
Club Marriott
Club Marriott membership: up to 20% off best available room rates and spa treatments in India
Source: Kotak Mahindra Bank - White Reserve Credit Card - kotak.bank.in - read 11 Oct 2026
20%discount
Select golf courses worldwide
2 complimentary golf rounds a month at select golf courses worldwide for the primary cardholder
Source: Kotak Mahindra Bank - White Reserve Credit Card - kotak.bank.in - read 11 Oct 2026