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.
Kotak Mahindra Bank
Kotak Solitaire Credit Card
Travel
Lounge Access
Reward Points
Rewards
Up to 10% rewards as Air Miles on travel spends
Lounge Access
Unlimited access with up to 4 guest visits
Travel Offers
Free stays and discounts on luxury hotels
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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. However, despite being marketed as a premium credit card, it falls short in delivering value across non-travel lifestyle categories. This comes as a major drawback, especially considering that most card at this price point offer all-round benefits across shopping, dining, movies and more, along with a stronger base reward rate on everyday spends. With singular focus on travel, it would be quite difficult for Kotak Solitaire may struggle to compete with more versatile premium cards like HDFC Infinia, IDFC FIRST Private and Axis Magnus for Burgundy.
Note: This is an invite-only credit card. Content on this page is for information purposes only.
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
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 |
|
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:
HSBC TravelOne Credit Card
HDFC Infinia Metal Edition Credit Card
IDFC FIRST Private Credit Card
HDFC Diners Club Black Metal Credit Card
Paisabazaar Review
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.
Frequently Asked Questions
Everything you need to know about this credit card
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. Since this is an invite-only card, you cannot apply for it, though you may contact your relationship manager at the Kotak Mahindra Bank to enquire about it.
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.
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.
Footnotes
- Accelerated reward earnings are capped at 1 lakh Air Miles for every month.
- 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.
- Other travel partners include Accor, Etihad Airways, Qatar Airlines, British Airways, United Airlines, Cathay Pacific, Air France, and Air Canada.
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Lepakshi Phogat
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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