Kotak Solitaire Credit Card

Gaurav

The Kotak Solitaire Credit Card is a special metal card offered by Kotak Mahindra Bank for people who travel a lot. It is invite-only and free for life if you are a Solitaire banking customer, with no joining or annual fees. You earn 10 Air Miles for every ₹100 you spend on travel through Kotak’s Unbox platform. These Air Miles can be used for travel bookings or gift items, with each mile worth up to ₹1. The card also comes with zero extra charges on international spending, free cash withdrawals, and unlimited airport lounge access with up to 4 free guest entries. It works on the Visa Infinite network and lets you use your miles with partners like Air India and Marriott.

However, this card is mainly focused on travel and doesn’t offer many rewards for shopping, dining, or entertainment. Other premium cards like HDFC Infinia, IDFC FIRST Private, and Axis Magnus offer more benefits in different spending areas. While Kotak Solitaire does give offers like hotel discounts and free night stays, it may not be the best choice if you want all-round benefits. But if your main goal is travel and you want to save on foreign spending and enjoy lounge access, this card can be a great option.

Credit Card Detail
Kotak Solitaire Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 25000.00 +GST
Best Suited For
Shopping | Travel
Reward Type
Reward Points as AirMiles
Welcome Benefits
N/A
Apply Now
Rewards Rate
You earn 10 Air Miles for every ₹100 spent on flights and hotel bookings through Kotak Unbox, and 3 Air Miles for every ₹100 spent on all other types of purchases.
Reward Redemption
Earn 1 Air Mile per ₹1 on Kotak Unbox travel bookings. Convert miles 1:1 for Air India, 3:1 for Marriott, 2:1 for others. For gifts or vouchers, 2 miles = ₹1.
Movie & Dining
N/A
Travel
You get 2 free visits to airport lounges within India and 2 free visits to international lounges every year.
Golf
N/A
Domestic Lounge Access
Primary and add-on cardholders can enjoy unlimited access to domestic airport lounges.
International Lounge Access
Primary and add-on cardholders can enjoy unlimited access to airport lounges around the world.
Insurance Benefits
N/A
Interest Rates
3.5% per month (42% per year)
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Cash Advance Charges
1% of the withdrawn amount
Foreign Currency Markup
0.00% +GST
Fuel Surcharge
Get a 1% waiver on fuel surcharge, up to ₹10,000 per year, for fuel purchases between ₹400 and ₹7,500.
Card Details
  • No Joining or Annual Fees: Kotak Solitaire customers don’t pay any fees to get or keep the card.
  • High Air Miles Rewards: Earn 10 Air Miles for every ₹100 spent on flights and hotels via Kotak Unbox, and 3 Air Miles for other purchases.
  • Air Miles Validity: Air Miles last for 3 years and can be transferred to over 10 airline and hotel partners like Air India and Marriott.
  • Easy Redemption: Use Air Miles 1:1 for travel bookings on Kotak Unbox or convert to partner miles at good rates (e.g., 1:1 Air India, 3:1 Marriott). You can also redeem for vouchers and merchandise (2:1 ratio).
  • Free Global Lounge Access: Unlimited visits to domestic DreamFolks and international Priority Pass lounges for cardholders and add-ons, plus 2 free guest visits each year.
  • Fuel Surcharge Waiver: Get 1% waiver on fuel spends between ₹400 and ₹7,500, up to ₹10,000 per year.
  • Hotel Stay Offers: Enjoy perks like a free 3rd night on 2-night bookings and 50% off the 2nd night at select hotels like ITC, Elivaas Villas, and Alaya Stays via Visa Privilege.
Pros/Cons
Pros
- The Kotak Solitaire Credit Card offers no fees and unlimited global lounge access with free guest visits for Solitaire account holders.
Cons
- Although this card doesn’t charge any fees on foreign transactions, it doesn’t offer rewards for spending abroad, so it works more like a basic Forex card than a full-featured travel card. For a premium card, it also misses important perks like discounts on golf and movies.
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Frequently Asked Questions

Is the Kotak Solitaire Credit Card free? Can I apply for it?

It's free only for customers in the Kotak Solitaire Program. Others have to pay ₹25,000 per year. There's no joining fee, but since it’s invite-only, you need to talk to your Kotak relationship manager to get it.

What are the hotel benefits on this card?

You get access to luxury stays at ITC Hotels, Elivaas Villas, and Alaya Stays through the Visa Infinite network.

What is the required relationship value to get this card?

Your family must maintain a relationship value of at least ₹75 lakh with Kotak Bank.

How are Air Miles added to my account?

Air Miles are credited within 5 days after your transaction is completed.

What’s the minimum number of Air Miles needed to redeem?

You need at least 500 Air Miles for travel or voucher redemptions on Kotak Unbox. For partner conversions, at least 2,000 Air Miles are required.

Is there any limit on using Air Miles for bookings or vouchers?

Yes, you can use Air Miles for up to 80% of the value for bookings or vouchers on Kotak Unbox. This limit doesn’t apply when converting to partner miles.

Can I withdraw cash using this credit card?

Yes, you can. There’s a 1% fee on the amount withdrawn, and no interest will be charged until your due date.

Can I get extra cards for my family?

Yes, you can get up to 3 add-on metal cards for family members, free of charge.

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