Kotak Solitaire Credit Card

The Kotak Solitaire Credit Card is an invite-only premium credit card designed for affluent clients in the Kotak Solitaire banking segment. It offers high-value benefits including luxurious travel privileges, airport lounge access, and rewards on spending — tailored for high-net-worth individuals.

Kotak Solitaire Credit Card

Joining Fees	NIL
Annual Fees	₹ 25,000
Card Type	Travel
Network Type	Visa

Rewards & Benifits

Rewards & Benefits

Accelerated Air Miles
Earn 10 Air Miles per ₹100 on travel bookings via Kotak Unbox.
Base Air Miles
Earn 3 Air Miles per ₹100 on other eligible spends.
Unlimited Airport Lounge Access
Enjoy unlimited complimentary lounge visits globally for both primary and add-on cardholders.
Zero Forex Mark-up
No foreign currency mark-up on international

Fees & Charges

Annual Fee
₹25,000 + GST, if you do not maintain the Solitaire relationship.
Cash Withdrawal Fee
Just 1% cash advance fee, and no interest until your due payment date.

Card Details

Product Details

Invite-Only Card
Only available to clients in the Kotak Solitaire wealth-management program.
Luxury Hotel Benefit
50% off on the second night or complimentary third night at select ITC Hotels, Elivaas Villas, and Alaya Stays.
Reward Cap
Accelerated Air Miles on Unbox travel spends are capped at 1,00,000 Air Miles per statement cycle.
Excluded Spends
No Air Miles accrual on MCCs like utilities, insurance, rent, fuel, and other specified categories.

Pros & Cons

High Air Mile Earning
Excellent rewards on travel spending.
Unlimited Lounge Access
Global lounge access for both primary and add-on cardholders.
No Forex Mark-up
Zero mark-up makes international spending more efficient.
Premium Hotel Privileges
Big discounts or free night at luxury partner hotels.

Cons

Very High Fee (If De-Programmed)
Annual fee of ₹25,000 if you exit the Solitaire banking program.
Invite Only
Not open for public or general application.
Restricted Earning Categories
No Air Miles on fuel, rent, insurance, utilities, and other excluded spends.
Air Mile Cap
Accelerated points on travel are capped per statement cycle.

ELIGIBILITY CRITERIA

Invite-only card: Only Kotak Solitaire banking clients are eligible.
If you are downgraded from the Solitaire program, you may be charged a high annual fee (₹ 25,000 + GST).

WELCOME BENEFITS

Not clearly published on Kotak’s public Solitaire card web page.
No publicly available “bonus miles on first spend” mentioned on the official page.

CARD REVIEW

The Kotak Solitaire Credit Card is clearly positioned as a luxury, invite-only card for high-net-worth individuals. With its strong Air Mile earning on Kotak’s Unbox platform, unlimited global lounge access, and zero forex markup, it’s tailored for avid travelers and affluent users who value premium lifestyle benefits. The upside is huge if you maintain the Solitaire banking relationship — the annual fee is waived for them. But, if you lose that status, the ₹ 25,000+ GST fee is steep, which makes the card very niche. This card offers significant value for its target audience, but it’s not for everyday or average spenders

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Kotak Solitaire Credit Card