Kotak Mahindra Bank has quietly made the White Reserve Credit Card a lot more interesting for people who spend abroad. The card now offers 6 reward points per ₹100 on international spends, up from 4, and that is a meaningful upgrade for frequent overseas shoppers and travelers. Kotak has also increased domestic airport lounge access to 8 per year.
The annual fee remains ₹10,000 + GST, with a milestone waiver available on ₹10 lakh spend. That means the card is still positioned firmly in the premium segment, but the improved international earn rate gives it a sharper use case than before. If your card spend is heavily tilted toward foreign transactions, this is the sort of change that can materially improve the value you get back.
The lounge increase is also worth noting because it broadens the card’s appeal beyond just rewards. A premium card needs to deliver on both earning and lifestyle benefits, and White Reserve is now doing a better job on both fronts. For cardholders who travel domestically and internationally, the combination of stronger foreign-spend rewards and more lounge visits makes the card easier to defend.
What makes this update useful is that it targets a very specific audience. Not everyone spends enough internationally to care about a higher earn rate, but for those who do, 6 reward points per ₹100 is a clear improvement over the earlier structure. If you’re comparing premium cards for travel-heavy use, this is a card that deserves a second look.
What You Should Do: if you spend regularly on international transactions, check whether Kotak White Reserve now fits your travel wallet better than your current premium card. If you already hold it, make sure you route foreign spends through it to take advantage of the new 6 reward points per ₹100 rate and the 8 per year lounge benefit.