Kotak Solitaire Business Credit Card

Kotak Mahindra Bank · Open to apply

A business card for Solitaire Business Program customers (self-employed owners with ₹1 crore of relationship value): a 1.99% a month interest rate and 1.99% forex markup, 2 reward points per ₹150, 14 per ₹150 on flights and hotels booked on Kotak Unbox, 1 domestic lounge visit a quarter and 1 international a year, with no fee inside the programme.

Annual fee
Lifetime free
Joining fee
None
Base rate
2 reward points per ₹150 on other spends: 2 Reward Points per ₹150 (about 0.67% at cash value)
Lounges
Domestic: 1 visit a calendar quarter; International: 1 visit a calendar year
Forex markup
1.99%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 14 reward points per ₹150 (7X) on flights and hotels booked on Kotak Unbox: 14 Reward Points per ₹150 (about 4.67% at cash value)

Earns nothing on

  • No reward points on international spends
  • No reward points on rent, fuel, wallet loads, education and EMI

Where the sources disagree

  • joining fee: The rewards T&C lists a joining fee of ₹3,499 (waived for Solitaire Program customers); the commercial MITC and the page say joining nil. We use the MITC and page.
  • reward point multiple: The page calls the Unbox rate "7X"; the T&C gives 14 points per ₹150, which is 7 times the base 2. We enter 14 per ₹150.
  • share of the cart payable in points: The page says up to 100% of the cart can be redeemed with reward points on Unbox; the T&C says only 90%, the other 10% by card. We use the T&C.
  • international bookings: The page's value chart shows 15% value on international hotels and flights, while the T&C and the page's text say no reward points are earned on international transactions. We follow the T&C.

Terms the calculator does not value

  • The commercial MITC states no dynamic currency conversion fee for this card, so the issuer's 3.5% default shows on the card page; only the 1.99% forex markup is stated.
  • The commercial MITC (5.6) lists transaction fees of 1.1% on utility and insurance payments and 0.7% on education and post office payments for corporate cards; its Solitaire Business table (5.7) does not repeat them, so they are not entered.
  • Passenger railways (MCC 4112) earn 1 point per ₹150 under the T&C's low-earning list; they share a category with cabs and travel agents, so they earn the base rate here.
  • Reward points spent on vouchers, merchandise and partner miles are "live soon" and have no published value, so only Unbox travel is valued.

Sources

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