MyFinCards
Solitaire Business Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 (Reversed on annual spends of Rs. 2.25 Lakhs)

Forex Markup

1.99% + GST

INTERNATIONAL
Kotak Bank
Business
Rewards
Travel
Best For: Business owners seeking travel rewards, Frequent flyers booking via Kotak Unbox, Businesses with international transactions needing low forex markup

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

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

Notable Exclusions

No reward points on EMI transactionsNo reward points on international spendsNo reward points on rent paymentsNo reward points on wallet loadsNo reward points on fuel transactionsNo reward points on education paymentsATM cash withdrawal/cash advance not allowedOver limit charges not applicable (over limit not allowed)Balance transfer not applicableRailway booking surcharge waiver not applicable

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

Official Terms & Conditions

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.

Expert Review

Our Verdict

Business card with 7X travel rewards, low 1.99% forex markup, lounge access & zero annual fee.

Frequently Asked QuestionsAbout Solitaire Business Credit Card

FEESWhat are the joining and annual fees for the Kotak Solitaire Business Credit Card?
The Kotak Solitaire Business Credit Card comes with zero joining fees and zero annual fees, making it completely free to hold. However, please note that if you are downgraded from the Kotak Solitaire Program, a fee of ₹3,499 will be charged. This makes the card an excellent value proposition for business owners who want premium benefits without worrying about recurring card charges.
REWARDSHow many reward points can I earn on the Kotak Solitaire Business Credit Card?
You can earn reward points in three tiers: 7X reward points on every ₹150 spent on flight and hotel bookings made via the Kotak Unbox platform, 1 reward point on every ₹150 spent on special categories (utilities, groceries, insurance premiums, government payments, and railway bookings), and 2 reward points on every ₹150 spent on all other eligible transactions. Note that accelerated travel reward points are capped at 1,00,000 points per statement cycle.
REWARDSWhat is the value of reward points and how can I redeem them?
Each reward point is worth ₹0.50 when redeemed via the Kotak Unbox platform. You can redeem up to 100% of the cart value using reward points on the Unbox platform. A minimum of 500 reward points is required for redemption. Redemption options for vouchers, merchandise, catalogue, and partner miles transfer will be available soon. Points earned on special categories are capped at 1,000 points per statement cycle.
REWARDSOn which transactions are reward points not applicable?
Reward points are not earned on EMI transactions, international spends, rent payments, wallet top-ups, fuel purchases, and education-related transactions. Additionally, reward points earned on special categories such as utility bills, groceries, insurance premiums, government payments, and railway bookings are capped at 1,000 points per statement cycle. It is advisable to review the full terms and conditions on the Kotak Bank website for the complete list of exclusions.
BENEFITSWhat airport lounge access benefits does the Solitaire Business Credit Card offer?
The Kotak Solitaire Business Credit Card offers 1 complimentary domestic lounge visit per quarter and 1 complimentary international lounge visit per year. For domestic lounge access, simply present your card at the lounge; a validation charge of ₹2 is applicable. For international lounge access powered by Priority Pass, present your card or digital QR code via the Priority Pass App. A visit validation charge of $1.00 will be debited and automatically reversed within 7 working days.
INTERNATIONALWhat is the forex markup fee on the Kotak Solitaire Business Credit Card?
The Kotak Solitaire Business Credit Card charges a competitive foreign transaction markup fee of 1.99% on all international transactions. This is a relatively low forex markup compared to many other credit cards, making it a suitable choice for business owners who frequently travel abroad or make international purchases. Please note that reward points are not earned on international spends.
INTERNATIONALHow do I enable international transactions on my Solitaire Business Credit Card?
To use your Kotak Solitaire Business Credit Card for international lounge access or transactions abroad, you need to activate international transactions (both online and in-store/POS) using the Kotak Bank Mobile App or Net Banking. This activation is required prior to making any international transactions, including the lounge visit validation transaction. Ensure the setting is turned on before your travel to avoid any inconvenience.
BENEFITSDoes the Kotak Solitaire Business Credit Card offer a fuel surcharge waiver?
Yes, the Kotak Solitaire Business Credit Card provides a 1% fuel surcharge waiver across all petrol pumps in India. This waiver is applicable on fuel transactions between ₹500 and ₹5,000 (excluding taxes). The maximum fuel surcharge waiver is capped at ₹5,000 in an anniversary year. However, please note that reward points are not earned on fuel transactions.
BENEFITSWhat business software discounts are available with this credit card?
The Kotak Solitaire Business Credit Card offers exclusive discounts on popular business software tools, including Google Workspace, Amazon Web Services (AWS), Microsoft Azure, and more. These discounts are designed to help business owners save on essential digital tools and cloud services. For the complete list of available software offers and discount details, you can visit the dedicated offers page on the Kotak Bank website.
USAGEIs ATM cash withdrawal allowed on the Kotak Solitaire Business Credit Card?
No, ATM cash withdrawal and cash advances are not permitted on the Kotak Solitaire Business Credit Card. This card is designed exclusively for business purchase transactions and related expenses. Additionally, over-limit charges are also not applicable on this card. For cash needs, you would need to use an alternative banking product or account.
FEESWhat is the interest rate on outstanding balances for the Solitaire Business Credit Card?
The Kotak Solitaire Business Credit Card charges a low interest rate of 1.99% per month on outstanding balances, which is annualized at 23.88%. This is among the more competitive interest rates available for business credit cards. To avoid interest charges altogether, it is recommended to pay the full outstanding amount by the due date each month. GST and applicable taxes will be charged on all interest and fees as per the Finance Act.
OTHERAre add-on cards available with the Kotak Solitaire Business Credit Card?
No, add-on cards are not available with the Kotak Solitaire Business Credit Card. The card is issued solely to the primary cardholder. If your business requires multiple card users, you may need to explore other Kotak Bank business banking solutions. For more information on alternatives, you can contact Kotak Bank customer support at the toll-free number 1800 4100 or email customersupport@kotak.com.
BENEFITSWhat travel insurance coverage is included with the Solitaire Business Credit Card?
The Kotak Solitaire Business Credit Card includes complimentary travel insurance coverage for cardholders. The specific coverage details, terms, and the claims process can be found on the dedicated insurance information page linked on the Kotak Bank credit card website. It is recommended to review the coverage terms carefully before traveling to understand the scope of protection, eligible events, and how to file a claim if needed.
FEESWhat are the late payment charges for the Kotak Solitaire Business Credit Card?
Late payment charges (LPC) are based on the outstanding amount due: no charge for amounts below ₹100; ₹100 for dues between ₹100–₹500; ₹500 for ₹501–₹5,000; ₹600 for ₹5,001–₹10,000; ₹800 for ₹10,001–₹25,000; ₹1,000 for ₹25,001–₹50,000; and ₹1,200 for amounts above ₹50,000. The Minimum Amount Due (MAD) is 5% of all transactions plus 100% of EMI, finance charges, fees, and taxes. GST will be applicable on all charges.
APPLICATIONHow can I apply for the Kotak Solitaire Business Credit Card?
You can apply for the Kotak Solitaire Business Credit Card by clicking the 'Apply Now' button on the official Kotak Bank credit card page. The card is part of the Kotak Solitaire Program, which is designed for select business customers. Issuance of the credit card is at the sole discretion of Kotak Mahindra Bank Limited. For further assistance with your application, you can call the toll-free helpline at 1800 4100 or visit your nearest Kotak Bank branch.

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