Kotak Solitaire Credit Card
Kotak Mahindra Bank · Invite only
A metal card for Kotak Solitaire Program customers: 3 Air Miles per ₹100, 10 per ₹100 on flights and hotels booked on Kotak Unbox, zero forex markup, unlimited domestic and international lounge access for the holder and add-ons, and no annual fee inside the programme (₹25,000 if downgraded). Miles are worth ₹1 on Unbox travel or transfer to eight programmes.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 3 Air Miles per ₹100 on other spends: 3 Air Miles per ₹100 (about 3% at cash value)
- Lounges
- Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10 Air Miles per ₹100 (3 base plus 7 accelerated) on flights and hotels booked on Kotak Unbox: 10 Air Miles per ₹100 (about 10% at cash value)
Earns nothing on
- No Air Miles on international transactions
- No Air Miles on rent, wallet loads, fuel, utility and telecom, insurance, education, government, digital gaming and EMI
Where the sources disagree
- annual fee: The MITC fee table shows an annual fee of ₹25,000 with the waiver "Part of Kotak Solitaire Programme"; the page and T&C say there is no fee in the programme and ₹25,000 if downgraded. We enter nil, which is what a programme holder pays.
- Air Miles on international travel bookings: The page's value chart credits 10% on international hotels and flights, while its text and the T&C say no Air Miles are earned on international transactions. We follow the text and the T&C, so foreign-currency spend earns nothing.
Terms the calculator does not value
- Time-limited offers: 30% bonus Air Miles on transfers to eight partners, 10 Air Miles per ₹100 on Unbox vouchers and a PVR buy-one-get-one, all valid 1 Jul to 30 Sep 2026 (ended), and an Anantara Vacation Club stay offer valid to 20 Dec 2026. None is entered.
- The page's value chart claims 10.34% on a ₹20 lakh sample, counting lounge and stay benefits; those benefits are not valued by the calculator.
Sources
- Kotak Solitaire Credit Card product page (rewards, lounge, Visa privileges, offers, FAQ, fees) (Product page, the bank's own, read 6 Nov 2026)
- Kotak Mahindra Bank credit card MITC (fee table, interest, charges, exemptions) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Kotak Solitaire Credit Card T&Cs (7 Apr 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- Terms and Conditions, Complimentary Airport Lounge Access Program for Kotak Credit Cards (Reward terms, the bank's own, read 6 Nov 2026)