MyFinCards
Kotak Solitaire credit card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

0
Kotak Bank
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.

Official Terms & Conditions

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.

Frequently Asked QuestionsAbout Kotak Solitaire credit card

OTHERWhat is the form factor of the Kotak Solitaire Credit Card?
The Kotak Solitaire Credit Card is a premium metal card, reflecting an elevated lifestyle. All Solitaire Credit Cards, including add-on cards, are made of metal. This exquisitely crafted card is designed exclusively for members of the Kotak Solitaire Program.
FEESWhat is the joining fee and annual fee for the Kotak Solitaire Credit Card?
As a privileged member of the Kotak Solitaire Program, there is no joining fee or annual fee. However, if you are downgraded from the Solitaire Program, an annual fee of ₹25,000 + GST will be charged. The fee waiver is exclusively applicable to active Kotak Solitaire Program members.
ELIGIBILITYWho is eligible for the Kotak Solitaire Credit Card?
The Kotak Solitaire Credit Card is an invite-only card, exclusively available to members of the Kotak Solitaire Program. It is not available to the general public. Issuance of the card is at the sole discretion of Kotak Mahindra Bank Limited. If you are an existing Kotak Solitaire Program member, you may be eligible to receive an invitation for this card.
OTHERHow many add-on cards can I get with the Kotak Solitaire Credit Card?
You can get up to 3 add-on cards in addition to your primary Kotak Solitaire Credit Card. Add-on cardholders must be 18 years of age or above, and add-on cards can only be issued to immediate family members of the primary cardholder. All add-on cards will also be premium metal cards.
REWARDSHow do I earn Air Miles on the Kotak Solitaire Credit Card?
You earn Air Miles in two ways: 10 Air Miles for every ₹100 spent on flight and hotel bookings (including add-ons) made through the Kotak Unbox platform, and 3 Air Miles for every ₹100 spent on all other eligible purchases. Note that the transaction amount is rounded down to the lowest multiple of ₹100 for Air Miles calculation. Accelerated travel earnings are capped at 1,00,000 Air Miles per statement cycle.
REWARDSAre there any categories where Air Miles are not earned?
Yes, Air Miles are not earned on the following: Utility/Telecom, Insurance, Education and Government services (except tax payments), Rent, Fuel, Wallet loading, Gaming and digital gaming, EMI transactions, Cash Advance, and International transactions. Ensure your spending falls outside these exclusion categories to earn Air Miles on your Kotak Solitaire Credit Card.
USAGEHow can I redeem my Air Miles, and what is their redemption value?
Air Miles can be redeemed in three ways: (1) Travel bookings on Kotak Unbox — 1 Air Mile = ₹1 for flights, hotels, and add-ons (minimum 500 Air Miles required); (2) Vouchers and gift cards on Kotak Unbox — 1 Air Mile = ₹0.5 (minimum 500 Air Miles required); (3) Transfer to partner airline/hotel loyalty programs on Kotak Unbox (minimum 2,000 Air Miles required). There are no redemption charges.
REWARDSWhich airline and hotel partners can I transfer my Air Miles to?
You can transfer your Air Miles to the following partners: Etihad Airways (2:1), Qatar Airlines (2:1), British Airways (2:1), United Airlines (2:1), Cathay Pacific (2:1), Air France–KLM Flying Blue (2:1), Accor Live Limitless (2:1), Marriott Bonvoy (3:1), and Air India (1:1). A minimum of 2,000 Air Miles is required for any partner transfer, and there is no maximum cap on transfers.
BENEFITSWhat lounge access benefits does the Kotak Solitaire Credit Card offer?
The Kotak Solitaire Credit Card offers unlimited domestic and international lounge access for both primary and add-on cardholders. Additionally, the primary cardholder gets complimentary guest lounge access — up to 2 domestic and 2 international lounge visits per year. International lounge access is powered by Priority Pass. Visit validation charges of $1 (international) and ₹2 (domestic) apply and are auto-reversed within 7 working days for international visits.
INTERNATIONALWhat are the forex and cash withdrawal charges on the Kotak Solitaire Credit Card?
There is zero forex markup on all international transactions, making it ideal for overseas spending. For ATM cash withdrawals — both domestic and international — a 1% cash withdrawal fee applies. Importantly, there are no interest or APR charges on cash withdrawals until the payment due date. Note that no Air Miles are earned on international transactions.
USAGEHow do I activate my Kotak Solitaire Credit Card?
To activate your Kotak Solitaire Credit Card: (1) Log in to the Kotak Mobile Banking App; (2) Select the 'Credit Card' tab; (3) Click on 'Card Controls'; (4) Click on 'Generate PIN'; (5) Enter your details and submit. Alternatively, you can activate your card by updating card controls and making a transaction. You can also activate international transactions via the Kotak Mobile Banking App or Net Banking.
BENEFITSIs there a fuel surcharge waiver on the Kotak Solitaire Credit Card?
Yes, cardholders enjoy a 1% fuel surcharge waiver across all petrol pumps in India. The waiver is applicable only on fuel transactions between ₹400 and ₹7,500. The total fuel surcharge waiver is capped at ₹10,000 in an anniversary year. This benefit helps reduce your everyday fuel expenses across the country.
BENEFITSWhat luxury stay benefits does the Kotak Solitaire Credit Card offer?
The Kotak Solitaire Credit Card, via Visa Privileges, offers exclusive luxury stay benefits at ITC Hotels, Elivaas Villas, and Alaya Stays. Benefits include a complimentary 3rd night when you book 2 consecutive nights, and 50% off on the second night of your stay. These benefits are provided by Visa and are subject to change without prior notice. Terms and conditions apply for each property.
REWARDSWhen do Air Miles expire and when are they credited to my account?
Air Miles are credited to your account within 5 days of transaction settlement. Once credited, Air Miles are valid for 3 years from the date of credit, after which they expire. It is advisable to track your Air Miles balance regularly on Kotak Unbox and plan your redemptions before the expiry date to make the most of your earned rewards.
BENEFITSWhat concierge services are available with the Kotak Solitaire Credit Card?
The Kotak Solitaire Concierge offers a wide range of services including: hotel upgrades and check-in/checkout privileges, visa assistance, luxury chauffeur transfers, airport meet & greet, travel itinerary planning, priority dining and event reservations, private shopping access, bespoke gifting, and education and relocation advisory. You can reach the concierge via phone at 011 71366769, WhatsApp at +911171366769, or email at kotaksolitairecards@crib-life.com.

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