All cards / Kotak Mahindra Bank
Kotak Solitaire Credit Card
An invite-only metal card reserved for Kotak Solitaire private-banking clients (₹75L+ relationship value) — fee and forex markup are waived for those clients, with 10 air miles per ₹100 on Kotak Unbox travel bookings and unlimited lounge access.
Annual fee
₹0
Joining fee
₹0
Reward type
miles
Base reward rate
3%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 3% base rate
- Travel: Preferential rates at ITC Hotels, Elivaas Villas and Alaya Stays, including a complimentary night on 2-night stays
- Domestic lounge access: Unlimited complimentary domestic airport lounge access, with up to 4 complimentary guest visits
- International lounge access: Unlimited complimentary international airport lounge access, with up to 4 complimentary guest visits
Benefits by category
- ✈️ Travel
10% reward rate · Unlimited airport lounge access with up to 4 complimentary guest visits
- 🏨 Hotel
Preferential rates at ITC Hotels, Elivaas Villas and Alaya Stays, including a complimentary night on 2-night stays
- 🌍 Forex / international spend
Zero forex markup on all international transactions · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹5,00,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 0%
- Interest rate: 42% p.a.
Benefits
- Unlimited airport lounge access with up to 4 complimentary guest visits
- Zero forex markup on all international transactions
- Preferential rates at ITC Hotels, Elivaas Villas and Alaya Stays, including a complimentary night on 2-night stays
- 1% cash withdrawal fee with no interest until the payment due date
Pros
- + Zero forex markup, rare among Indian travel cards
- + 10% effective return on flight/hotel bookings via Kotak Unbox
- + Unlimited lounge access with guest visits
Cons
- − Invite-only for Kotak Solitaire private-banking clients, not open to general applicants
- − ₹25,000 fee applies outside the Solitaire relationship
Best for
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