Card Comparison · India
KM White Reserve Credit CardvsSC SimplyCLICK Credit Card
White Reserve Credit Card and SimplyCLICK Credit Card compared side by side — annual fee, lounge-access program, visit limits, eligibility, and value. All figures from Loungely's verified card data, in INR.
| KMWhite Reserve Credit Card | SCSimplyCLICK Credit Card | |
|---|---|---|
| Annual fee | ₹12,500/yr | ₹499/yr |
| Network | Visa Infinite | Visa Signature |
| Access program | Priority Pass — unlimited domestic + international | Visa Signature — 2 lounge visits/quarter |
| Intl lounge visits | — | — |
| Domestic lounge visits | — | — |
| Guest policy | — | — |
| Eligibility | Income ₹25L+ or invite from Kotak relationship manager | Income ₹3L+, easy approval |
| Value score | 4/5 | 3/5 |
| Best for | Kotak banking customers wanting unlimited lounge access | Budget travellers wanting basic lounge access at minimum cost |
White Reserve Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
SimplyCLICK Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
White Reserve Credit Card vs SimplyCLICK Credit Card — frequently asked
Is White Reserve Credit Card or SimplyCLICK Credit Card cheaper?
SimplyCLICK Credit Card is cheaper at ₹499/yr vs ₹12,500/yr — a difference of 12,001 INR/yr. A lower fee only wins if the lounge access still covers the airports you fly through.
Which gives better lounge access, White Reserve Credit Card or SimplyCLICK Credit Card?
White Reserve Credit Card: Priority Pass — unlimited domestic + international. SimplyCLICK Credit Card: Visa Signature — 2 lounge visits/quarter. Network reach matters more than raw visit count — a card with unlimited visits on a program that isn't present at your home airport is worth less than a capped card that is.
What are the eligibility differences between White Reserve Credit Card and SimplyCLICK Credit Card?
White Reserve Credit Card — Income ₹25L+ or invite from Kotak relationship manager. SimplyCLICK Credit Card — Income ₹3L+, easy approval. Eligibility (income floor, invite-only status, existing-relationship requirements) is often the real deciding factor, not the headline lounge perk.
Is White Reserve Credit Card or SimplyCLICK Credit Card better value?
Loungely value score — White Reserve Credit Card: 4/5 (best for kotak banking customers wanting unlimited lounge access). SimplyCLICK Credit Card: 3/5 (best for budget travellers wanting basic lounge access at minimum cost). Both are India cards, so the fee and access figures are directly comparable in INR.
Compare other India cards