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  • Home /
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  • Kotak Mahindra Credit Card /
  • Solitaire Credit Card
    • Image of Kotak Solitaire Credit Card
    Kotak Mahindra Bank

    Kotak Solitaire Credit Card

    cat name Travel
    cat name Premium
    cat name Rewards
    3.5/5.0

    Travel3.5/5

    Rewards3.5/5

    Lounge Access4.0/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹ 0

    Rewards

    Rewards

    Up to 10% rewards as Air Miles on travel spends

    Lounge Access

    Lounge Access

    Unlimited access with up to 4 guest visits

    Travel Offers

    Travel Offers

    Free stays and discounts on luxury hotels

    Updated on December 11, 2025 12:29 pm

    Author: Lepakshi Phogat

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    About The CardReward BenefitsOther Features & BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About Kotak Solitaire Credit Card

    Kotak Solitaire is an invite-only metal card designed for frequent travellers. It offers Air Miles on every spend with accelerated savings of up to 10% on travel spends. These Air Miles can later be used for travel bookings and catalogue purchases, where 1 Air Mile holds the value of up to Rs. 1. In addition to this rewards program, you can avail offers like up to 50% off and free night stay at some popular hotels like ITC and avoid paying extra charges on international spends as this card comes without any forex mark-up charges. Furthermore, to elevate the overall travel experience, this Kotak credit card offers unlimited airport lounge access for the cardholders with up to 4 free guest visits. 

    Kotak Solitaire credit card comes forth as a travel card with every feature tailored to reinforce this identity.

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    Rewards Program

    Earning Rate:

    • 10 Air Miles per Rs. 100 spent on flight and hotel bookings made using the Kotak Unbox1
    • 3 Air Miles per Rs. 100 spent on other purchase categories2

    Redemption Ratio: 

    • 1:1 for Travel Bookings

    For flights, hotels and other travel add-ons through the Kotak Unbox platform

    • Up to 1:1 for Kotak Air Miles to Partner Miles Conversion

    1:1 for Air India, 3:1 for Marriott and 2:1 for other flight/hotel partners3

    • 2:1 for Other Redemption Options

    For redemption against catalogue, vouchers, merchandise and others

    Image of null
    Kotak Solitaire Credit Card provides an accelerated reward rate of 10% for travel spends made through its dedicated Kotak Unbox platform, along with a base rate of 3% on other spends. The potential value-back rate through Air Mile earnings seems favourable with a redemption ratio of to 1:1. Here, the accelerated earnings and most redemption choices are exclusive to the Kotak Unbox platform, potentially restricting cardholders' access to a broader selection of flight and hotel options. However, the card also offers mile conversion with 2 hotel chains and 8 airline partners, benefiting the consumers who generally travel within this ecosystem. 
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    Kotak Solitaire Credit Card: Other Features & Benefits

    Airport Lounge Access:

    • DreamFolks Lounges – Unlimited domestic lounge visits for primary and add-on card users
    • Priority Pass Lounges – Unlimited international lounge visits for primary and add-on card users
    • Guest Visits – 2 complimentary visits to domestic and 2 to international lounges every year

    Hotel Stay Offers:

    Cardholders can avail the following benefits on their stays at ITC Hotels, Elivaas Villas and Alaya Stays through the Visa Privilege offers – 

    • Free 3rd night stay on booking 2 consecutive nights
    • 50% off on the 2nd night of the stay

    Fuel Surcharge Waiver:

    • 1% fuel surcharge waiver, up to Rs. 10,000 per year, on fuel spends of Rs. 400 to Rs. 7,500

    Kotak Solitaire Credit Card: Fees & Charges

    Particulars Amount
    Joining Fee Nil
    Annual Fee Rs. 25,000 + Applicable taxes (Nil for Kotak Solitaire Program customers)
    Forex Mark-up Fee Nil
    Finance Charges 3.50% p.m. (or 42% p.a.)
    Late Payment Charges
    On outstanding balance of –
    Up to Rs. 100 Nil
    More than Rs. 100 to Rs. 500 Rs. 100
    More than Rs. 500 to Rs. 1,000 Rs. 500
    More than Rs. 1,000 to Rs. 5,000 Rs. 600
    More than Rs. 5,000 to Rs. 10,000 Rs. 750
    More than Rs. 10,000 to Rs. 25,000 Rs. 900
    More than Rs. 25,000 to Rs. 50,000 Rs. 1,100
    More than Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Get This Card If:

    You are a frequent traveller who wants to save on travel spends

    You are Kotak Solitaire customer and looking for a premium travel card offering at a minimal cost

    You can maximise the utilisation of the reward benefits by using Kotak Unbox platform for your travel bookings

    Visa network offers at ITC Hotels, Elivaas Villas and Alaya Stays would be valuable for you

    Similar Cards:

    Paisabazaar Review

    Overall Rating

    3.5/5

    Travel3.5/5

    Rewards3.5/5

    Lounge Access4.0/5

    What do we like about this card?

    Kotak Solitaire Credit Card is a travel card with up to 10% reward rate on travel spends. The card users can make use of their Air Mile rewards by either using them for travel bookings on Kotak Unbox or converting them into partner miles for some popular airlines and hotels. These Air Miles can also be used to make catalogue purchases. The redemption ratio across these options is quite good too. Unlimited airport lounge access with free guest visits aligns with the card’s premium status and the discount offers on select luxury hotel stays, along with zero forex markup, are another favourable feature to solidify the card’s status as a true travel credit card. Zero forex mark-up further facilitates international travellers by reducing the additional charges on their spends.

    Pros

    • Up to 10% value-back as rewards in the form of Air Miles
    • Good rewards redemption ratio of up to 1:1
    • Unlimited airport lounge access worldwide with free guest visits
    • Discount offers on stays at select luxury hotels
    • Zero forex mark-up charges

    Cons

    • No significant lifestyle benefits on non-travel spending categories
    • Accelerated rewards limited to travel spends made only on Kotak Unbox platform
    • Lack of premium benefits like hotel memberships, airport assistance services, etc.
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    Frequently Asked Questions

    Everything you need to know about this credit card

    Kotak Solitaire Credit Card is an invite-only premium card that offers AirMiles on every spend and accelerated savings of up to 10% on travel-related expenses. The accumulated AirMiles can be redeemed for travel bookings at a 1:1 ratio. Additionally, the card offers exclusive deals and discounts at top hotels, including ITC Hotels, Elivaas Villas, and Alaya Stays.

    Kotak Solitaire Credit Card is only free for Kotak Solitaire program customers, while others are charged with an annual fee of Rs. 25,000. However, no joining fee is applicable for all customers.

    You can redeem Air Miles for up to 80% of the booking value while making flight or hotel bookings on Kotak Unbox. The same 80% limit is also applicable on non-travel redemptions like vouchers and catalogue on Kotak Unbox. However, no such limitation is applied on Kotak Air Miles to partner miles conversions.

    Yes, you can withdraw cash using Kotak Solitaire Credit Card. However, it is not advisable to do so due to the additional charges which accompany a credit card cash withdrawal. Kotak Solitaire charges a one-time ATM cash withdrawal fee of 1% of the withdrawn amount. There would be no interest charges applicable till the bill payment due date of the statement cycle in which cash is withdrawn.

    You must have accrued at least 2,000 Air Miles in order to convert them into partner miles. However, if you wish to redeem them against travel bookings on Kotak Unbox or use them for other redemption options, you must have a balance of 500 Air Miles.

    Yes, the card offers unlimited complimentary domestic and international lounge access for both primary and add-on cardholders. In addition to this, it offers 2 complimentary guest visits per year for domestic lounges and 2 for international lounges.

    Kotak Solitaire Credit Card is an invite-only card offered to select customers of Kotak Mahindra Bank. You cannot apply for this card directly. However, you may contact Kotak’s customer service to check if you are eligible. If you meet the bank\\\'s criteria, an invitation will be sent to you.
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    Footnotes

    1. Accelerated reward earnings are capped at 1 lakh Air Miles for every month.
    2. International transactions, UPI transactions of Rs. 2,000 or below using RuPay card, fuel, rent, utility, telecom, insurance, education, government, cash withdrawals, wallet loading and gaming spends do not accrue any Kotak Air Miles.
    3. Other travel partners include Accor, Etihad Airways, Qatar Airlines, British Airways, United Airlines, Cathay Pacific, Air France, and Air Canada.

    Click here to know More Terms and Conditions

    Lepakshi Phogat linkedIn icon

    Content Writer

    Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.

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