Kotak Solitaire Credit Card
The Kotak Solitaire earns 10 Air Miles per ₹100 on Kotak Unbox flights and hotels and 3 per ₹100 on other retail spends, each mile worth ₹1 on Unbox travel. It is not a card you apply for — it is extended by invitation to Kotak Solitaire banking members, who qualify on a family relationship value of ₹75 lakh or more (or a ₹5 lakh/month net salary credit). For that select set it is a genuinely strong travel card. The accelerated Unbox earn is capped at 1,00,000 Air Miles per statement cycle, and miles redeem at ₹0.50 each as vouchers. It carries zero forex markup, unlimited domestic and international lounge access for primary and add-on cardholders, a concierge, and no joining or annual fee while you remain a Solitaire member. The catch is the downgrade clause — leave the Solitaire program and a ₹25,000 + GST fee applies — and a broad exclusions list (rent, wallet, fuel, utilities, insurance, education, EMI and international spends earn nothing).
✦ How to get this card →
Key features
What this card is built to do — the highlights that actually matter.
️ 10% on Travel
10 Air Miles per ₹100 on flight & hotel bookings via Kotak Unbox; accelerated earn capped at 1,00,000 Air Miles per statement cycle, base 3/₹100 continues after the cap
️ 3% on Other
3 Air Miles per ₹100 on retail spends; 1 Air Mile = ₹1 on Kotak Unbox flight/hotel/add-on bookings (₹0.50 as vouchers). Min 500 miles to redeem; expire after 3 years
️ Airport Lounge Access
Unlimited domestic + international lounge access for primary and add-on cardholders; 4 guest visits/year (2 domestic + 2 international) per primary card
Zero Forex Markup — but no rewards abroad
No markup on international spends, but they earn nothing on this card, so a purchase abroad costs no extra and returns nothing.
24x7 Concierge
Kotak Solitaire concierge — travel planning, hotel upgrades, dining reservations and relocation support
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | airline miles | 10% | ₹1,00,000 |
| Other | airline miles | 3% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.5% p.m. |
| Forex markup International spends are excluded from rewards on this card, so a purchase abroad costs no extra but earns nothing. A card with a small markup that still earns can work out better overseas. | 0% |
Perks & benefits
Estimated annual value beyond rewards — ~₹38,500/yr in total.
️ lounge access ~ ₹30,000 /yr
Unlimited domestic + international lounge access for primary and add-on cardholders; 4 guest visits/year (2 domestic + 2 international) per primary card
concierge ~ ₹5,000 /yr
Kotak Solitaire concierge — travel planning, hotel upgrades, dining reservations and relocation support
fuel waiver ~ ₹3,500 /yr
1% fuel surcharge waiver at all petrol pumps in India (₹400–₹7,500 transactions, capped ₹10,000/year)
Should you get it?
Best for: HNW Kotak relationship customers, Frequent international travellers, Kotak Unbox flight and hotel bookers
Super Premium tier — built for high spenders who want top-end perks.
Strongest value if you spend heavily on Travel ( 10% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- Zero forex markup on all international spends
- Unlimited domestic and international lounge access for primary and add-on cardholders
- 10 Air Miles per ₹100 on Kotak Unbox travel, worth a real ₹1 each on travel redemptions
- No joining or annual fee while you stay in the Solitaire program
✕ Cons
- Invite-only — cannot be applied for; needs ₹75 lakh family relationship value or ₹5 lakh/month salary
- A ₹25,000 + GST fee applies if you are downgraded from the Solitaire program
- Broad no-earn exclusions (rent, wallet, fuel, utilities, insurance, education, EMI, international)
- The strong 10 Air Miles rate applies only to travel booked through Kotak Unbox
Eligibility
KOTAK publishes no eligibility criteria for this card — no minimum income, no age band, no credit-score floor, and no document checklist. That is not an oversight on our part: the card is issued strictly by invitation, there is no public application form, and so there is nothing to qualify for in the usual sense. Any specific salary figure you see quoted for it elsewhere has been inferred by a third party, not stated by the bank.
What actually decides an invitation is the relationship behind it — balances held with the bank, spend on an existing card, and the banking segment you sit in. We set those signals out in how to get an invitation above, labelled for what they are: observed patterns, not published criteria.
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Kotak Unbox: redeem Air Miles for flights, hotels and add-ons (1 Air Mile = ₹1)
🎁 Vouchers & gift cards via the rewards platform (1 Air Mile = ₹0.50)
🎁 Partner transfers: Air India 1:1, Marriott Bonvoy 3:1, other airline/hotel partners 2:1 (min 2,000 miles)
What your Kotak Air Miles are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Kotak Unbox flights & hotels BEST 1 Air Mile = ₹1 against flights & hotels on Kotak Unbox, up to 80% of the booking value
Instant vouchers Half the Unbox rate — a floor, not a route worth using
Airline / hotel transfer BEST Air India is the ONLY partner whose ratio moves by card, and it moves a lot: Solitaire 1:1, Air+ Prime 2:1, Kotak Air 3:1 — Solitaire is three times better than Kotak Air into the same programme. Everything else is flat across the family: Accor, Qatar, BA, Cathay, United and Flying Blue 2:1, Marriott 3:1. Etihad is Solitaire and Air+ Prime only; Aeroplan is Air+ Prime only. Because an Air Mile is already worth a fixed ₹1 on Kotak Unbox, transferring at 1:1 only wins if the partner award beats ₹1/mile — which in practice means premium-cabin redemptions, not economy.
✈ Transfer partners ✈ Air India Maharaja Club ( 1:1 ) 🏨 Accor ALL ( 2:1 ) ✈ Qatar Airways Privilege Club (Avios) ( 2:1 ) ✈ British Airways Executive Club (Avios) ( 2:1 ) ✈ Cathay Asia Miles ( 2:1 ) ✈ Air France-KLM Flying Blue ( 2:1 ) ✈ United MileagePlus ( 2:1 ) ✈ Etihad Guest ( 2:1 ) 🏨 Marriott Bonvoy ( 3:1 ) Value your balance: Kotak Air Miles ✈ Air India Maharaja Club ( 1:1 ) ₹ 10,000 🏨 Accor ALL ( 2:1 ) ₹ 10,000 ✈ Qatar Airways Privilege Club (Avios) ( 2:1 ) ₹ 5,000 ✈ British Airways Executive Club (Avios) ( 2:1 ) ₹ 5,000 ✈ Cathay Asia Miles ( 2:1 ) ₹ 5,000 ✈ Air France-KLM Flying Blue ( 2:1 ) ₹ 5,000 ✈ United MileagePlus ( 2:1 ) ₹ 5,000 ✈ Etihad Guest ( 2:1 ) ₹ 5,000 vs. typical redemption ₹ 10,000 Direct transfers from this card only, ranked by what a point is worth in the destination programme — plus 1 more partner . Full calculator, every currency → The concern The ₹25,000 + GST fee that lands if you are downgraded from the Solitaire program, plus a broad no-earn exclusions list (rent, wallet, fuel, utilities, insurance, education, EMI, international) — the strong Air Miles rate really only applies to Kotak Unbox travel spends.
The bottom line
For invited high-net-worth clients within Kotak's Solitaire program, this card delivers impressive travel benefits: 10 Air Miles per ₹100 on Kotak Unbox bookings (1 Air Mile = ₹1), zero foreign exchange markup, unlimited lounge access, and concierge privileges at no annual fee while maintaining program status. However, maximizing value requires booking through the Unbox portal and keeping your relationship active, as international spends earn no miles, standard category exclusions apply, and losing status brings a ₹25,000 fee. For the target profile, it remains a potent travel card.
Sources & verification
Fees, reward rates, and benefits for the Kotak Solitaire Credit Card are taken from Kotak Mahindra Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 5 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Kotak Mahindra Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · 1 changes · last change Jul 2025
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2025 1 change — 1 neutral
◆ Launch Effective 23 Jul 2025
Kotak Solitaire Credit Card launched (invite-only HNW travel card)
Kotak launched the invite-only Solitaire Credit Card as the centrepiece of its new Solitaire affluent-banking programme — earning 10 Air Miles per ₹100 on Kotak Unbox flight/hotel bookings (capped at 1,00,000 miles per statement cycle) and 3 per ₹100 on other retail, with each mile worth about ₹1 on Unbox, zero forex markup, unlimited domestic and international lounge access, a concierge, and no joining or annual fee while you remain a Solitaire member (a ₹25,000 + GST fee applies on downgrade). As a 2025 product it was born into Kotak's post-June-2025 Air-Miles regime, so its broad no-earn exclusions (rent, wallet, fuel, utilities, insurance, education, EMI, international) and per-cycle caps are baseline at launch, not later cuts.
Verification: Kotak Mahindra Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Quick summary
Type Super Premium credit card
Reward rate 3%
Best for HNW Kotak relationship customers
Joining fee Free
Annual fee Free
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 5 Aug 2026
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