Kotak Solitaire Credit Card Review (2026)
An invite-only metal travel card tied to Kotak’s Solitaire wealth-banking programme, earning Air Miles on every spend — with no card fee for programme members.
Who can get it
Solitaire is invite-only, extended to members of the Kotak Solitaire banking programme. Entry to that programme typically requires a Total Relationship Value (TRV) of around ₹75 lakh held across Kotak savings balances, deposits, mutual funds and other investments. You cannot apply for the card directly without the relationship.
Fees and charges
| Charge | Amount |
|---|---|
| Joining / annual fee | Nil while you remain a Solitaire programme member |
| If downgraded from the programme | ₹25,000 + GST annual fee applies |
| Forex markup | Verify the current rate on the official terms |
Rewards
The card earns 10 Air Miles per ₹100 on flights and hotels booked through Kotak Unbox, and 3 Air Miles per ₹100 on other spends. Each Air Mile is worth up to ₹1, giving an effective value of up to 10% on eligible travel bookings and 3% on general spends — among the higher earn rates available, reflecting the card’s wealth-segment positioning.
Travel benefits
Metal card with airport lounge access and travel privileges aimed at frequent travellers. Confirm the exact complimentary lounge entitlements and concierge benefits on the current terms before relying on them.
Where this card falls short
How it compares
Against open-market premium cards like HDFC Infinia or Axis Atlas, Solitaire trades application access for a banking relationship, but rewards programme members with a fee-free, high-earn travel card. If you do not bank with Kotak at the wealth tier, those open-market cards are the realistic alternatives.
Bottom line 4.2 / 5 (for eligible members)
For Kotak Solitaire wealth clients, this is an excellent fee-free metal travel card with up to 10% back in Air Miles. For everyone else it is aspirational only — eligibility, not features, is the deciding factor.
Frequently asked questions
Can I apply for the Kotak Solitaire card?
Not directly — it is invite-only for members of the Kotak Solitaire banking programme, which typically needs a Total Relationship Value of around ₹75 lakh.
Is there really no annual fee?
There is no card fee while you remain a Solitaire programme member. If you are downgraded from the programme, a ₹25,000 + GST fee can apply.