Joining Fee
Free
Annual Fee
Rs. 0 (Reversed on annual spends of Rs. 2.25 Lakhs)
Forex Markup
1.99% + GST
Late Payment Charges
| Total amount due | Late fee |
|---|---|
| Up to ₹100 | Nil |
| ₹100 to ₹500 | ₹100 |
| ₹501 to ₹5,000 | ₹500 |
| ₹5,001 to ₹10,000 | ₹600 |
| ₹10,001 to ₹25,000 | ₹800 |
| ₹25,001 to ₹50,000 | ₹1,000 |
| Above ₹50,000 | ₹1,200 |
Solitaire Business Credit Card
Rewards Structure
Base Reward Rate
2% on spends
Point Value
1 Point = ₹0.5
Earning Cap
₹1,000 /statement_cycle
Pros
- Zero joining and annual fee
- Low forex markup of 1.99%
- 7X reward points on travel via Kotak Unbox
- Low interest rate of 1.99% per month
- Complimentary travel insurance
- Business software discounts (Google Workspace, AWS, MS Azure)
- Airport lounge access (domestic & international)
Cons
- No ATM cash withdrawal allowed
- No add-on cards
- Reward points not applicable on EMI transactions, international spends, rent, wallets, fuel, and education
- Special category rewards capped at 1,000 points per statement cycle
- ₹3,499 charged if downgraded from Kotak Solitaire Program
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Accelerated 7X rewards capped at 1,00,000 points per statement cycle
Special category rewards capped at 1,000 points per statement cycle
International lounge visit validation charge of $1.00 (reversed within 7 working days)
Domestic lounge visit validation charge of ₹2
Annual fee of ₹3,499 applies if downgraded from Solitaire Program
Key Benefits & Features
Discounts on business software: Google Workspace, AWS, MS Azure & more
Low interest rate of 1.99% per month (annualized 23.88%)
Eligibility Criteria
Occupation
Required Documents
IDENTITY Proof
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 Solitaire Business Credit Card
The Kotak Solitaire Business Credit Card is a premium offering designed to help business owners maximize rewards while managing everyday and travel-related expenses. With no joining or annual fees, the card delivers strong value from day one, making it a compelling choice for entrepreneurs and business professionals seeking smarter ways to spend. At the heart of the card is an accelerated rewards program that earns up to 7X reward points on flight and hotel bookings made through the Kotak Unbox platform. Cardholders earn 2 reward points per ₹150 spent on general purchases, while special categories such as utilities, groceries, and insurance earn 1 point per ₹150. Each reward point is worth ₹0.50 when redeemed on the Kotak Unbox platform, with up to 100% of cart value redeemable using points. Beyond rewards, the card offers a competitive forex markup of just 1.99% and a low monthly interest rate of 1.99%, making it well-suited for international transactions. Travel perks include one complimentary domestic lounge visit per quarter and one international lounge visit per year via Priority Pass. Additional benefits include a 1% fuel surcharge waiver, complimentary travel insurance, and exclusive discounts on business software such as Google Workspace, AWS, and Microsoft Azure, rounding out a card built to grow alongside your business.
Our Verdict
Business card with 7X travel rewards, low 1.99% forex markup, lounge access & zero annual fee.
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