I travel frequently and need a premium credit card with low forex charges, lounge access, and good travel rewards. Is the Kotak White Reserve Credit Card a good option, or should I consider alternatives like Axis Magnus or HDFC Infinia?
You should consider the Kotak White Reserve Credit Card as a strong premium choice yet its appropriateness for your travel needs depends on your exact requirements. International lounge access and reward points with luxury privileges come with a 2.5% forex markup fee. This percentage exceeds those of Axis Magnus (1.5%) and HDFC Infinia (2%). People who spend often in foreign currency should choose a forex fee structure since a lower one provides significant savings.
The HDFC Infinia premium card stands among the top choices because it provides unlimited Priority Pass lounge entry along with great rewards points and minimal forex costs. The catch? The HDFC Infinia exists solely through invitations from the bank thus gaining access to the card will be challenging unless you maintain a close relationship with HDFC.
The Axis Magnus card stands out as an effective choice which offers great benefits for regular flight buyers. This card provides important anniversary benefits and forex fees that cost only 1.5 percent together with Priority Pass international lounge access. The main advantage of this product lies in its ability to distribute 15,000 reward points when customers maintain monthly spending above ₹1Lakhs.
White Reserve stands as a recommended choice for Kotak banking customers who seek a premium card with permanent fee exemption. Priority seekers who value forex savings together with enhanced rewards and flight benefits should opt for the Axis Magnus or HDFC Infinia products rather than White Reserve. Infinia stands as the best travel credit card for Indian customers who qualify for its membership.