Kotak Solitaire Credit Card
The Kotak Solitaire Credit Card is a invite only credit card from Kotak Mahindra Bank, with a joining fee of ₹0 + GST.
It earns up to 10 miles per ₹100 (≈10.0% value) on travel via unbox spends in the form of air miles (miles).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access.
- Joining FeeFree
- Annual FeeFree
- Best Suited ForTravel
- Reward TypeAir Miles (miles)
- 10 miles per ₹100 on travel via unbox (cap 100000 miles / statement)
- Base 3.00% on other spends
- Not applicable
Kotakinfiniteinvite onlyLifetime freeRewards and Benefits
- Hotel benefit — 50% off on the 2nd night at partner hotels.
- Unlimited lounge for add-on members — Unlimited global lounge access for primary and add-on cardholders.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Travel & hotels₹1,000/mo
You spend ₹10,000 · earns 10.0% = ₹1,000 uncapped
- Capped at ₹1,00,000/mo
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 3.0% = ₹450/mo
- Groceries₹8,000 · 3.0% = ₹240/mo
- Dining & food delivery₹8,000 · 3.0% = ₹240/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 3.0% = ₹150/mo
₹24,960 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- invite only card issued by Kotak Mahindra Bank.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
Pros & Cons
- Lifetime-free — no joining or annual fee.
- Strong base reward rate of 3.00%.
- Low forex markup of 0.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Accelerated earn worth ≈10.0% on travel via unbox.
- No rewards on fuel spends.
- Invite-only — limited availability.
Accelerated rewards
- 10 miles per ₹100 on travel via unbox (cap 100000 miles / statement)10 Air Miles per ₹100 on travel bookings via Kotak Unbox; 3 per ₹100 on other purchases. Accelerated Air Miles capped at 1,00,000 per statement cycle; base 3/₹100 continues after cap (Solitaire detailed T&C).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹3,500 per annual.
Other benefits
- Hotel benefit. 50% off on the 2nd night at partner hotels.
- Unlimited lounge for add-on members. Unlimited global lounge access for primary and add-on cardholders.
Sources
- : www.kotak.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–70
- Credit score
- 780+
- Income (salaried)
- —
- Income (self-employed)
- —
Invite-only to Kotak Private Banking / Solitaire banking customers.