Kotak Solitaire Credit Card Review
The Kotak Solitaire is an invite-only metal card for members of Kotak’s Solitaire wealth-banking programme. It is free for members and earns Air Miles, with 10 miles per ₹100 on flights and hotels booked through Kotak Unbox.
It has zero forex markup and unlimited lounge access, but international spends earn no miles and many categories are excluded.
- No fee for Solitaire members
- 10 Air Miles per ₹100 on flights and hotels via Kotak Unbox
- 1 mile = ₹1 on Unbox travel; transfers to airline and hotel partners
- 0% forex markup
- Unlimited domestic and international lounges, plus 4 guest visits a year
- Only for Solitaire programme members (high relationship value)
- International spends earn no miles
- Long exclusion list (utilities, insurance, rent, fuel and more)
- ₹25,000 + GST fee if you are dropped from the programme
- Miles worth only ₹0.50 on vouchers
Fees and charges
| Item | Detail |
|---|---|
| Joining / annual fee | Nil for Solitaire programme members |
| If dropped from programme | ₹25,000 + GST a year |
| Forex markup | 0% |
| Cash withdrawal | 1% fee, no interest until the due date |
| Redemption fee | Nil |
Rewards: how the card earns
| Spend | Air Miles per ₹100 |
|---|---|
| Flights and hotels via Kotak Unbox | 10 (bonus capped at 1,00,000 a cycle) |
| Other eligible domestic spends | 3 |
| International spends and excluded categories | 0 |
1 mile = ₹1 on Unbox travel, ₹0.50 on vouchers. Transfers: 2:1 to most partners, 3:1 to Marriott, 1:1 to Air India (minimum 2,000 miles). Miles expire after 3 years.
What earns nothing
Utilities and telecom, insurance, education, government (tax payments do earn), rent, fuel, wallet loads, gaming, EMI, cash and all international spends earn no miles.
Other benefits
| Benefit | Detail |
|---|---|
| Lounges | Unlimited domestic and international for primary and add-on cardholders; 4 guest visits a year (2 domestic, 2 international) |
| Fuel | 1% surcharge waiver on ₹400–₹7,500, up to ₹10,000 a year |
| Network | Visa (metal) |
Eligibility
Issuer
Kotak Mahindra Bank
Who
Kotak Solitaire programme members
Relationship value
Around ₹75 lakh (salaried) or ₹1 crore (self-employed) family relationship value
Who this card is for
- Good fit: Kotak Solitaire members who book travel through Unbox and travel abroad.
- Skip if: you are not a Solitaire member.
Alternatives worth comparing
- Kotak premium banking explained
- Best Kotak credit cards
- Best zero-forex-markup cards
- Best premium banking programmes
Final verdict
Excellent value for Solitaire members: no fee, zero forex, unlimited lounges and strong travel earn via Unbox. The exclusion of international spends from earning is the main limitation.
Frequently asked questions
Who can get the Kotak Solitaire card?
Members of Kotak’s Solitaire banking programme.
Is there a fee?
No, while you remain a Solitaire member. If you are dropped, a ₹25,000 + GST annual fee applies.
What is the forex markup?
0%.
Do international spends earn miles?
No. International spends are excluded from earning.
How much is an Air Mile worth?
₹1 on Kotak Unbox travel, ₹0.50 on vouchers, or transfer to airline and hotel partners.
Last verified: October 2026, against Kotak Mahindra Bank’s Solitaire card T&C and fees page. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.