Kotak White Reserve Credit Card

Kotak Mahindra Bank · ₹12,500 a year · fee waived on ₹10,00,000 of annual spend

Kotak’s top milestone rewards card.

What the bank says

• Milestone-based rewards
• Hotel and dining discounts
• Foreign currency markup of 2%

Things that catch people out

• Its rewards come only at spend milestones, which the page does not list in full, so it is not ranked.

Joining fee: ₹12,500. Foreign currency markup: 2%.

Read from Kotak Mahindra Bank’s own page on 2026-09-16.

All 385 cards · Your best cards