Kotak Solitaire credit card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

0

Add-on Card Fee

Free per supplementary card

Late Payment Charges

Travel
Lifestyle
Rewards
Best For: High-net-worth frequent travelers, Luxury lifestyle spenders, International travelers seeking zero forex charges

Kotak Solitaire credit card

Rewards Structure

Base Reward Rate

3% on spends

Point Value

1 Point = ₹1

Earning Cap

₹1,00,000 /statement_cycle

Points Validity

36 Months

Pros

  • Zero joining and annual fee for Kotak Solitaire Program members
  • Zero forex markup on international transactions
  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • Earn 10 Air Miles per ₹100 on travel bookings via Kotak Unbox
  • 1% cash withdrawal fee with no interest till due date
  • Premium metal card
  • Rich concierge and luxury stay benefits

Cons

  • Invite-only card — not available to general public
  • ₹25,000 annual fee if downgraded from Kotak Solitaire Program
  • No Air Miles on international transactions
  • No Air Miles on EMI transactions
  • Accelerated travel earn capped at 1,00,000 Air Miles per statement cycle

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

No Air Miles on rent, wallet loads, fuel, utility, telecom, insurance, education, government (except tax), digital gaming, or international spends

Air Miles expire after 3 years from date of credit

Minimum 500 Air Miles required for travel/voucher redemption; minimum 2,000 for partner transfer

Fuel surcharge waiver only on transactions between ₹400–₹7,500

Guest lounge access limited to 4 visits per year (2 domestic + 2 international)

International lounge access requires activation of international transactions and incurs a $1 visit validation charge (auto-reversed in 7 days)

Key Benefits & Features

Zero forex markup on all international transactions

1% cash withdrawal fee with zero interest/APR till payment due date across all ATMs globally

Exclusive luxury stays: 3rd night free or 50% off on 2nd night at ITC Hotels, Elivaas, and Alaya

Metal card form factor; up to 3 add-on cards for immediate family members aged 18+

Notable Exclusions

No Air Miles on Utility/TelecomNo Air Miles on InsuranceNo Air Miles on Education and Government (except tax payments MCC 9311)No Air Miles on RentNo Air Miles on FuelNo Air Miles on Wallet LoadingNo Air Miles on Gaming & Digital GamingNo Air Miles on EMI transactionsNo Air Miles on Cash AdvanceNo Air Miles on International Transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

About Kotak Solitaire credit card

The Kotak Solitaire Credit Card is an invite-only, premium metal card crafted exclusively for a select group of high-net-worth individuals. Designed for those who demand the finest in travel and lifestyle, it offers an exceptional rewards structure built around Air Miles. Cardholders earn 10 Air Miles for every ₹100 spent on flight and hotel bookings through Kotak Unbox, and 3 Air Miles per ₹100 on all other eligible purchases. These miles can be redeemed for travel bookings at ₹1 per mile, transferred to leading airline and hotel partners including Qatar Airways, British Airways, Etihad, and Marriott Bonvoy, or used for vouchers and gift cards. Travel privileges are truly world-class, featuring unlimited domestic and international lounge access for both primary and add-on cardholders, along with zero forex markup on all international transactions and a low 1% cash withdrawal fee with no interest until the payment due date. Luxury stay benefits include a complimentary third night or 50% off the second night at ITC Hotels, Elivaas, and Alaya properties. Lifestyle benefits extend to exclusive dining privileges through Kotak Solitaire Table in partnership with District by Zomato, a dedicated concierge service for travel and lifestyle needs, fuel surcharge waivers, and a dedicated concierge offering personalised assistance. With no joining or annual fee for Solitaire programme members, this card delivers outstanding value estimated at over ₹2 lakh annually on combined spends.

Expert Review

Our Verdict

Invite-only metal card with unlimited lounge access, zero forex markup, and rich Air Miles on travel.

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