# Kotak White Reserve

Kotak Mahindra Bank · Visa. ₹12,500 fee · 2% forex.

verified · checked 13 June 2026

## How it earns (0)

Nothing on record yet.

## On gift vouchers

- Gift vouchers earn nothing on this card.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No points on wallet loads · brand vouchers earn base
- No points: fuel · education and transport from Apr 2026

## Milestones (2)

- ₹5,000 White Pass @ ₹3L · ₹5,000 at ₹3,00,000 spend per card year · verified · checked 13 June 2026
- ₹15,000 White Pass (cumulative) @ ₹10L · ₹15,000 at ₹10,00,000 spend per card year · verified · checked 13 June 2026

## Lounges (1)

- Unlimited domestic and international visits, no spend condition. · Priority Pass + domestic · domestic and international · unlimited

## Statuses it opens (1)

- GHA Discovery GHA Discovery Titanium · enrolment needed · ✓ official · checked 19 July 2026

## Transfer partners (2)

- ALL Reward Points · 2 : 1 · ✓ official · checked 17 July 2026
- Maharaja Points · 3 : 1 · ~3 days · ✓ official · checked 7 July 2026

## Comes with (3)

- Concierge
- Golf
- Club Marriott membership

## Fees

- Annual fee: ₹12,500 + GST
  Waived at ₹10,00,000 spend per card year
- Forex markup: 2%
- DCC markup: Not published
- Earns: Kotak White Pass · ₹1 a point at baseline

## Dated changes (1)

- Improvement · 19 February 2024: Visa Infinite cards now fast-track to GHA DISCOVERY Titanium (to 31 Dec 2026) (https://getbrief.cards/changes#gha-visa-fasttrack-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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