CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Kotak Mahindra Bank

Kotak Solitaire Credit Card

58
Ranked #15 of 170 in credit
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Kotak's newest invite-only super-premium metal card (launched post-RBI restriction lift) for Solitaire private banking clients, offering unlimited global lounge access, zero forex, and strong travel-booking rewards via Kotak Unbox, though narrowly travel-focused.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value69/100 · weight 71%
≈ 3.42% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency13/100 · weight 12%
Redemption flexibility60/100 · weight 9%
Perks33/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
₹25,000 + 18% GST
= ₹29,500 / year total
Waiver: No joining/annual fee for Kotak Solitaire banking program members; Rs 25,000/year charged if downgraded from Solitaire program
Forex markup
0%

Lounge access

Domestic (per year)
-1
International (per year)
-1

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingmiles10.00%(10 mi @ ₹1.00)₹1,00,000 / monthly10 Air Miles/Rs100 on Kotak Unbox (promotional through Jun 2026)
all_spendsmiles3.00%(3 mi @ ₹1.00)—3 Air Miles/Rs100 base rate

Welcome offer

Not distinctly identified as separate from ongoing rewards structure; invite-only card via Solitaire banking relationship

Milestone benefits

Pros

  • Zero forex markup (rare, especially at this tier)
  • unlimited global lounge access for primary + add-on
  • strong 10% effective travel reward rate via Kotak Unbox
  • ITC Hotels/Elivaas Villas stay privileges (free 3rd night or 50% off 2nd night)
  • District by Zomato dining privileges incl. Michelin-starred access
  • BOGO PVR tickets 2x/month

Cons

  • Invite-only, not accessible to general applicants
  • heavily travel-skewed — reviewers note it lacks golf and broader lifestyle benefits found on competing premium cards (HDFC Infinia, Axis Magnus Burgundy)
  • no air miles earned on international transactions despite zero forex
  • Rs 25,000 fee if Solitaire relationship lapses

What's inside

More benefits

  • ITC Hotels & Elivaas Villas privileges

    Exclusive stay privileges at ITC Hotels and Elivaas Villas

    unlimited. Provided by Visa

Insurance cover

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Eligibility

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Invite-only, tied to Kotak Solitaire private banking relationship

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 400-Rs 7,500 transactions, capped Rs 10,000/year; no air miles on fuel transactions