All cards / Kotak Mahindra Bank
Kotak Solitaire Business Credit Card
An invite-only, no-fee business credit card bundled into Kotak's Solitaire Business private-banking relationship for entrepreneurs with over Rs 1 crore in relationship value. Its main draw is low forex and curated business-software discounts rather than an aggressive rewards rate.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 750+. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on transactions between Rs 500-5,000, capped at Rs 5,000 per year.
- 🌍 Forex / international spend
1.99% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹8,00,000
- Employment: self-employed
- Age: 21–70
Fees & charges
- Foreign currency markup: 1.99%
- Interest rate: 3.5% p.a.
Benefits
- Complimentary card for Kotak Solitaire Business banking clients maintaining Relationship Value above Rs 1 crore.
- Accelerated rewards and deals on the Kotak Unbox platform for business software brands like AWS, Microsoft 365, Tally and Canva.
- 1% fuel surcharge waiver on transactions between Rs 500-5,000, capped at Rs 5,000 per year.
Pros
- + Zero joining and annual fees for qualifying relationship clients
- + Low 1.99% forex markup
- + Business SaaS discounts via Kotak Unbox
Cons
- − Not open to direct applicants — requires Solitaire Business banking relationship
- − High relationship-value threshold to qualify