320
Lounges in network
132
Airports worldwide
—
Free intl visits/year
How to access lounges
Apply & Activate Card
Get your White Reserve Credit Card and activate it.
Enjoy Lounge Access
Swipe card or use Priority Pass at participating lounges.
Your access
Worldwide
Unlimited worldwide
Priority Pass — domestic and international airports. No annual cap.
What you get inside
Available facilities vary by lounge — confirm on each lounge page.
Pros
- Unlimited Priority Pass with no visit caps
- Strong domestic and international airport coverage
- Kotak PVR Cinemas and lifestyle privileges included
Cons
- High income requirement of ₹25L+
- Annual fee not waived on any spend milestone
- Reward programme less competitive than HDFC or Axis
Eligibility
Income ₹25L+ or invite from Kotak relationship manager
Best for
Kotak banking customers wanting unlimited lounge access
How you earn points
White Pass
sourceMilestone-based, not per-swipe; 1 White Pass = ₹1, up to ₹2.5L/yr.
Earn rates only — we don't print a per-point cash value, since that depends on how you redeem.
Other benefits
How it compares
KO White Reserve Credit Card(this card) | ||||
|---|---|---|---|---|
| Annual fee What the bank charges you every year to hold this card. | ₹12,500/yr | ₹12,500/yr | ₹12,500/yr | ₹12,499/yr |
| Access programme Which lounge network this card's access rules route through. | Priority Pass | Priority Pass | Priority Pass | Priority Pass |
| Lounges in network How many lounges in Loungely's directory currently accept this card's access programme. | 320 | 320 | 320 | 320 |
| Spend condition Some cards require a minimum spend before domestic lounge access unlocks. Miss the target and access is blocked that period, even with the annual fee paid. | None No minimum spend to keep domestic access. | None No minimum spend to keep domestic access. | None No minimum spend to keep domestic access. | None No minimum spend to keep domestic access. |
| Guest policy Whether you can bring someone into the lounge with you, and what it costs them. | — | Guests at Priority Pass rates (typically ₹3,500 per guest per visit). | 8 complimentary guest visits per year; domestic visits capped at 2 guests per visit. | 12 complimentary guest visits per year. |
| Best for The type of traveller who gets the most value from this card. | Kotak banking customers wanting unlimited lounge access | Heavy international travellers — 6+ flights per year | Business travellers who need guest access and strong rewards | ICICI banking customers seeking premium travel benefits |
Explore comparisons
How does the White Reserve Credit Card compare to the Infinia Metal Credit Card?
The White Reserve Credit Card carries the same annual fee than the Infinia Metal Credit Card. Both cards route lounge access through Priority Pass. See the full comparison table on this page for eligibility and guest-policy differences.
How does the White Reserve Credit Card compare to the Magnus Credit Card?
The White Reserve Credit Card carries the same annual fee than the Magnus Credit Card. Both cards route lounge access through Priority Pass. See the full comparison table on this page for eligibility and guest-policy differences.
How does the White Reserve Credit Card compare to the Emeralde Private Metal Card?
The White Reserve Credit Card carries a higher annual fee (Rs. 12,500 vs. Rs. 12,499) than the Emeralde Private Metal Card. Both cards route lounge access through Priority Pass. See the full comparison table on this page for eligibility and guest-policy differences.
White Reserve Credit Card — frequently asked
Does the White Reserve Credit Card include Priority Pass?
The White Reserve Credit Card unlocks lounge access via Priority Pass — unlimited domestic + international (Priority Pass network). Depending on tier and issuer, that can mean unlimited Priority Pass visits, complimentary Amex Centurion access, or a limited quota of domestic visits per year. See the card's access-terms section for exact quotas.
How many lounges can I enter with the White Reserve Credit Card?
Loungely tracks 320 lounges across 132 airports in 48 countries that accept the White Reserve Credit Card. Full list on this page — every row shows the specific access rule, guest policy, and last-verified date.
What is the annual fee for the White Reserve Credit Card?
Rs. 12,500 per year, issued by Kotak Mahindra Bank. Eligibility: Income ₹25L+ or invite from Kotak relationship manager.
Who should get the White Reserve Credit Card for lounge access?
Kotak banking customers wanting unlimited lounge access. If your travel pattern is different — heavy domestic flying, or mostly Middle East hubs, for example — a card with a matching lounge network may give you more per rupee/pound/dollar of annual fee. Compare on the /cards page.
Apply
White Reserve Credit Card
Unlimited Priority Pass at domestic and international airports worldwide
Affiliate link · Verify current terms on the bank's website before applying.