
Joining Fee
Free
Annual Fee
Rs. 0 + Taxes
Add-on Card Fee
Free per supplementary card
Late Payment 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
*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.
Our Verdict
Invite-only metal card with unlimited lounge access, zero forex markup, and rich Air Miles on travel.
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