Axis Bank Atlas Credit Card
Axis Bank
Rewards 2.4%
Net Value ₹13,964
Joining Fee ₹5,000
Renewal Fee ₹5,000
12 lounge visits • Forex 3.5%
Kotak White Reserve Credit Card
Kotak Mahindra Bank
Super-premium invite-only metal credit card
Joining Fee
₹12,500
+ 18% GST
First Year Net
+₹10,074
Annual Fee
₹12,500
+ 18% GST
Renewal Net
-₹14,926
Base Reward Rate
1.7%
1 points per ₹100
Final Net Score
27
out of 100
Net Annual Value
-₹176
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
27/100
Effective Reward Rate
Weighted average based on your spending categories
1.7%
Annual Net Value
Expected yearly benefit after all costs
-₹176
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Super-premium invite-only metal credit card
Launch Date
2021
Networks
Visa Infinite
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
ConsiderYou are close to the spend level where this card starts making sense.
Consider from
₹75,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
-₹176
Fee outcome
Fee likely payable
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 83,333 monthly spend.
- Base rewards: Value is driven mostly by the base reward rate and fee math.
Details
Spend curve and supporting scenario values
Kotak White Reserve Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹12,500
- Foreign Transaction: 2.0%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 1.7% reward rate
- Lounge Access: Available
- Our Rating: 27/100
Kotak White Reserve Credit Card - Frequently Asked Questions
What are the benefits of Kotak White Reserve Credit Card?
Kotak White Reserve Credit Card from Kotak Mahindra Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for Kotak White Reserve Credit Card?
Kotak White Reserve Credit Card is ideal for premium card users reward-focused spending. Minimum credit score requirements apply.
How much does Kotak White Reserve Credit Card cost?
The annual fee for Kotak White Reserve Credit Card is ₹12,500. Additional charges may include foreign transaction fees and late payment charges.
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