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Kotak Solitaire
89/100 · FREE
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Kotak Mahindra Bank
Kotak Solitaire
Visa
PREMIUM
LIFETIME FREE
Super premium VISA Top Rated

Kotak Solitaire

by Kotak Mahindra Bank · Data verified 5 days ago

Elite invite-only metal card with 10x travel miles, unlimited lounge, zero forex.

89
Score
Based on rewards, fees, benefits & eligibility
FREE
Fee
Waiver available on spending
3
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
3 RP Earn
base reward rate
999 per year Lounges
complimentary
Lifetime FREE
waiver available
89/100
CardSahayak rating
Reward Calculator

How Much Can You Earn?

Calculate your potential rewards with this card

₹ /month
₹10,000 ₹5,00,000

Your Annual Benefits

Reward Points
pts
₹
Net Annual Value

You save per year!

What's Great

  • Lifetime free for Kotak Solitaire program members
  • Zero forex markup on all international spends
  • Unlimited domestic and international airport lounge access + 4 guest visits per year (2 domestic + 2 intl)
  • 10 Air Miles per ₹100 on travel bookings via Kotak Unbox
  • Metal card construction with dedicated 24/7 concierge

Things to Consider

  • Invite-only for Solitaire banking clients (₹75L+ TRV or ₹5L+ monthly salary)
  • ₹25,000 annual fee if downgraded from Solitaire program
  • Zero Air Miles accrued on international transactions, rent, and fuel

Perfect For

Ultra-HNI Kotak customers Luxury travelers Airline miles maximizers

About This Card

Kotak Solitaire Credit Card is an invite-only elite metal card for Solitaire banking customers (Rs.75L+ TRV). 10 Air Miles per Rs.100 on travel via Kotak Unbox, 3 Air Miles per Rs.100 on other spends, unlimited lounge, zero forex, ITC Hotels benefits.
Annual Fee
FREE
Joining Fee
FREE
Nil for Kotak Solitaire Program members

Other Charges

Interest Rate (APR)
Monthly on outstanding balance
1.99% - 1.99%
Foreign Transaction Fee
Markup on international txns
0.00%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹10,000/mo
Interest-Free Period
On new purchases if paid in full
20 to 48 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹300) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹100.01-₹500
₹100
₹500.01-₹5,000
₹500
₹5,000.01-₹10,000
₹750
₹10,000.01-₹25,000
₹950
₹25,000.01-₹50,000
₹1,100
>₹50,000
₹1,300
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
3
Reward Pts
₹1.00
Point Value
0.00%
Cashback
Welcome Bonus
Complimentary membership for Kotak Solitaire program customers (₹25,000 annual fee if downgraded from Solitaire program)

Milestone Rewards

Lifetime free for Solitaire program members
Welcome benefit: Premium welcome benefits for Solitaire members

Reward Earning by Category

Category Reward Rate Details
Travel BONUS 10 pts/₹100 10 Air Miles per Rs.100 on travel via Kotak Unbox
Other 3 pts/₹100 3 Air Miles per Rs.100 on other spends
Point Value: 1 point = ₹1.00 | Redemption Fee: ₹0 + GST per request

Domestic Lounges

999 per year

Int'l Lounges

999 per year

Travel Insurance

₹100L cover

Golf Benefits

Complimentary

Concierge

24/7 assistance

Fuel Savings

₹10,000/mo

Purchase Protection

₹1,000,000 cover

Lost Card Cover

₹0

Add-On Card

Free

Dining

  • •Reward points/cashback earned on dining transactions
  • •Dining privileges at select partner restaurants
  • •Zomato Gold for ₹1 — full year premium dining
  • •20% off up to ₹5,000 twice/month on District by Zomato

Shopping

  • •3X air_miles on eligible spends
  • •Contactless (tap-and-pay) enabled
  • •EMI conversion on purchases above Rs.2,500

Travel

  • •Unlimited domestic and international airport lounge access
  • •Zero forex markup on all international spends
  • •Complimentary travel insurance coverage
  • •1% fuel surcharge waiver
  • •24/7 concierge service
  • •Complimentary golf sessions at select courses

Special Offers & Features

  • •Invite-only card — not available for general application (requires ₹5L+ monthly salary or ₹75L+ relationship value)
  • •Minimum 2,000 Air Miles required for transfer to airline/hotel partners
  • •No maximum cap on transferring Air Miles to partner airlines/hotels
  • •Accelerated Air Miles via Kotak Unbox capped at 1,00,000 Air Miles per statement cycle
  • •Reward points from existing Kotak card transferred upon upgrade to Solitaire
  • •Standing instruction failure fee: 2% of bounce amount (min ₹450, max ₹5,000)

EMI Options

  • •EMI conversion on purchases above Rs.3,000
  • •Tenure: 3, 6, 9, 12, 18, 24 months
  • •Interest rate: 12-24% p.a.

Card Features

Contactless
✓ Yes
Virtual Card
✓ Yes
International
✓ Yes
Material
metal
89 out of 100

CardSahayak Score

"Apply Now" takes you to Kotak Mahindra Bank's official website.

Eligibility

Salaried ₹500,000/mo
Self-Employed ₹500,000/mo
Age 21-65 yrs
CIBIL 800+
Employment Salaried, Self-Employed
Card Variant Metal

Scores

Rewards 52/100
Fees 100/100
Benefits 84/100
Access 40/100

⚡ Quick Compare

Compare with other cards to find the best fit.

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7 Active Offers

Deals & Offers

Exclusive offers available on Kotak Solitaire

Bloom Hotels

Bloom Hotels

Experience vibrant, contemporary stays with Bloom Hotels across India. Kotak Credit Cardholders enjoy flat 25% instant discount up to ₹2,500 on room reservations.

25
Till 31 Dec 2026 KOTAKBLOOM travel
Discount
Flat 25% off
Min Spend
₹3,000
Max Savings
₹2,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit stayatbloom.com or open Bloom Hotels booking portal.
Step 2: Choose your destination city and stay dates with minimum booking ₹3,000.
Step 3: Enter promo code KOTAKBLOOM at payment screen.
Step 4: Pay with Kotak Mahindra Bank Credit Card to get flat 25% instant discount.
Terms & Conditions

Valid on direct bookings at stayatbloom.com only. Minimum booking value of ₹3,000 required. Maximum instant discount is ₹2,500 per booking. Subject to room availability at participating Bloom Hotel properties across India.

Use Code: KOTAKBLOOM
Visit Offer
MakeMyTrip

MakeMyTrip

Fly for less across India with Kotak Mahindra Bank and MakeMyTrip. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flight bookings of ₹5,000 and above.Book IndiGo, Air India, Akasa Air, and SpiceJet flights with code KOTAKMMT for immediate upfront savings.

10
Till 31 Dec 2026 KOTAKMMT travel
Discount
Flat 10% up to ₹1,500
Min Spend
₹5,000
Max Savings
₹1,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Open MakeMyTrip mobile app or visit makemytrip.com.
Step 2: Search for domestic flights across any Indian carrier with minimum booking amount ₹5,000.
Step 3: In the coupon code input box on the payment page, enter KOTAKMMT.
Step 4: Pay using any Kotak Mahindra Bank Credit Card to deduct up to ₹1,500 instantly.
Terms & Conditions

Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required excluding taxes. Maximum discount is capped at ₹1,500 per booking. Valid once per cardholder per calendar month. Not applicable on corporate or commercial cards.

Use Code: KOTAKMMT
Visit Offer
Croma

Croma

Upgrade your digital life with electronics at Croma. Kotak credit cardholders receive up to ₹4,000 instant discount on premium tech, home appliances, and audio gear.

2500
Till 31 Dec 2026 electronics
Discount
Up to ₹2,500 off
Min Spend
₹20,000
Max Savings
₹2,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit any Croma retail store or shop online at croma.com.
Step 2: Add eligible consumer electronics, televisions, or laptops worth ₹20,000+.
Step 3: Choose Kotak Bank Credit Card offer at payment checkout.
Step 4: Complete transaction to enjoy an instant discount up to ₹4,000.
Terms & Conditions

Valid on Kotak Debit Card EMI and Kotak Credit Card EMI transactions. Maximum instant discount Rs. 2,500.

Visit Offer
Zomato

Zomato

Savor gourmet cuisines and weekend dining with Zomato and Kotak Bank. Get flat 15% instant discount up to ₹150 on minimum food orders of ₹599.

15
Till 31 Dec 2026 KOTAKDINING dining
Discount
Flat 15% up to ₹150
Min Spend
₹599
Max Savings
₹150
Valid Until
31 Dec 2026
How to Avail
Step 1: Open Zomato app and pick your favorite restaurant.
Step 2: Add dishes totaling ₹599 or more to your cart.
Step 3: Apply coupon code KOTAKDINING at the order review screen.
Step 4: Pay with any Kotak Mahindra Bank Credit Card to get 15% off up to ₹150 instantly.
Terms & Conditions

Valid on food delivery orders placed via Zomato mobile app. Minimum cart value of ₹599 is required. Maximum discount is capped at ₹150. Valid once per customer per week.

Use Code: KOTAKDINING
Visit Offer
BookMyShow

BookMyShow

Catch the newest blockbusters with Buy 1 Get 1 Free movie tickets up to ₹250 on BookMyShow using Kotak credit cards.

BOGO
Till 31 Dec 2026 entertainment
Discount
BOGO up to ₹250
Min Spend
2 tickets
Max Savings
₹250
Valid Until
31 Dec 2026
How to Avail
Step 1: Book 2 or more movie tickets on BookMyShow.
Step 2: In the payment section, select Kotak Credit Card offer under 'Unlock Offer or Apply Promocodes'.
Step 3: Settle the balance with your Kotak Credit Card.
Terms & Conditions

Valid on minimum booking of 2 tickets. Free ticket discount capped up to ₹250. Available on select Kotak credit cards (Privy, League, Zen).

Visit Offer
Swiggy

Swiggy

Order your favorite meals on Swiggy and get flat 15% instant savings up to ₹100 using Kotak credit cards with coupon KOTAK100.

15%
Till 31 Dec 2026 KOTAK100 dining
Discount
15% up to ₹100
Min Spend
₹499
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Step 1: Order food on Swiggy app with minimum cart value of ₹499.
Step 2: Apply coupon code KOTAK100 on checkout.
Step 3: Pay using any Kotak Mahindra Bank Credit Card.
Terms & Conditions

Valid on minimum spend of ₹499. Maximum discount ₹100. Valid once per card per month on food orders.

Use Code: KOTAK100
Visit Offer
EaseMyTrip

EaseMyTrip

Enjoy up to ₹8,000 off on EaseMyTrip travel bookings with Kotak Bank Credit Card EMI using promo code KOTAKEMI (Domestic Flights: Flat 10% instant discount up to ₹1,800 on MOV ₹5,000).

10% (up to ₹1,800)
Till 31 Oct 2026 KOTAKEMI travel
Discount
Flat 10% up to ₹1,800 (Domestic Flights EMI); up to ₹8,000 on Int'l Hotels
Min Spend
₹5,000
Max Savings
₹1,800
Valid Until
31 Oct 2026
How to Avail
Step 1: Search domestic flights on EaseMyTrip.
Step 2: Enter promo code KOTAKEMI on payment page.
Step 3: Complete payment using Kotak Mahindra Bank Credit Card EMI.
Terms & Conditions

Valid on Kotak Bank Credit Cards EMI transactions on EaseMyTrip using code KOTAKEMI: Domestic Flights Flat 10% up to ₹1,800 (MOV ₹5,000), International Flights Flat 10% up to ₹5,000 (MOV ₹15,000), Domestic Hotels 15% up to ₹4,000, International Hotels 15% up to ₹8,000.

Use Code: KOTAKEMI
Visit Offer
❓ FAQ

Frequently Asked Questions

Everything you need to know about Kotak Solitaire

To be eligible, you need:
  • • Min age: 21 years
  • • Salaried: ₹500,000/month min
  • • Self-employed: ₹500,000/month min
  • • CIBIL: 800+ recommended
Kotak Solitaire comes with zero annual fee — completely free for life!
You earn 3 reward points per eligible transaction. Each point is worth approximately ₹1.00. Welcome bonus: Complimentary membership for Kotak Solitaire program customers (₹25,000 annual fee if downgraded from Solitaire program) on activation! Redeem for flights, hotels, vouchers via Kotak Mahindra Bank rewards portal.
Yes! Complimentary lounge access:
  • ✓ Domestic: 999 per year
  • ✓ International: 999 per year
  • → Unlimited complimentary domestic airport lounge access for primary and add-on cardholders + 2 complimentary guest visits per year (nominal ₹2 validation charge)
  • → Unlimited complimentary international airport lounge access via Priority Pass for primary and add-on cardholders + 2 complimentary guest visits per year ($1 auto-reversed validation fee)
  • • Instant: Pre-approved Kotak Mahindra Bank customers
  • • 24-48 hrs: New customers with documents
  • • Delivery: 7-10 working days

Ready to Get Started?

Apply for Kotak Solitaire today and unlock amazing rewards and premium experiences.

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