Kotak Mahindra Bank
Kotak Solitaire Credit Card
Annual Fee
Lifetime FreeBase Reward
3% miles
Foreign Markup
Zero Charges
Welcome Benefits
N/A
Product Highlights
- Super premium offering
- No joining or annual fees for Solitaire customers
- 10 Air Miles for travel spends with Kotak Unbox
- Unlimited global airport lounge access
Category Rewards
travel
10 Air Miles/₹100 Spent on Kotak Unbox
10X
Specialty
3 Air Miles/₹100 on Other Spends
3X
Fee Waiver
Waived for Solitaire Customers
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Kotak Unbox
10 Air Miles / ₹100 on flight + hotel bookings via Kotak Unbox
Reward Calculator
Earns ₹7,200/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
7.2K
Kotak Air Miles
₹7.2K
via standard
Effective rate
4.62%
Annual fee
FREE
Year 1 net
+₹7,200
Year 2+ net
+₹7,200
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
cash advance, rent, wallet, emi
Fuel surcharge waiver (good news)
1%on ₹400–₹5,000 fuel txns
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 10 Air Miles for every ₹100 spent on travel bookings made through Kotak Unbox. Earn 3 Air Miles for every ₹100 spent on other purchases.
- 1 Air Mile = ₹1 against flights, hotels, and travel add-ons on Kotak Unbox; 1 Air Mile = ₹0.5 for vouchers, merchandise, and more.
Benefits & Features
Domestic: Unlimited Access for Primary and Add-on Cardholders (N/A) International: Unlimited Global Access for Primary and Add-on Cardholders (N/A) Unlimited domestic and international airport lounge access for both primary and add-on cardholders.
Pros & Cons
Pros
- No joining or annual fees for Solitaire account holders
- Unlimited global airport lounge access
- Complimentary visits for guests
Cons
- No Air Miles for international transactions
- Lacks rewards for international spending
- No golfing or movie discounts
Additional Info
Available for customers of Kotak Solitaire Banking program.
Capped at 1,00,000 Air Miles for travel bookings.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Waived for Solitaire Customers