Kotak Solitaire Credit Card

Kotak Solitaire Credit Card is a metal card.

Customer can get up to 3 add-on cards, in addition to one primary Credit Card. Add-on Card holder should be 18 years and above. Add-on card can only be issued to immediate family members of primary cardholder. 

Yes. All Solitaire Credit Cards, including add-on cards, will be metal.

As a privileged member of the Kotak Solitaire Program, there is no Joining or Annual fee for you. However, if you are downgraded from the Solitaire program, an annual fee of ₹25,000 + GST will be charged.

There will be no mark-up fees on international transactions.

No Air Miles will be accrued on International transactions.

1% Cash withdrawal charges will be applied. Additionally, there will be no interest/APR charges till the payment due date for cash withdrawals.

1% Cash withdrawal charges will be applied. Additionally, there will be no interest/APR charges till the payment due date for cash withdrawals.

To activate your Card:

1. Log in to the Kotak Mobile Banking App

2. Select the "Credit Card" tab

3. Click on “Card Controls”

4. Click on “Generate PIN”

5. Enter your details & submit

You can also activate your credit card by updating card controls and making a transaction.

Solitaire cardholders will earn:

10 Air Miles for every ₹100 spent on Kotak Unbox Platform across following categories:

A. Flight & Flight Add-on Booking

B. Hotel & Hotel Add-on Booking

3 Air Miles for every ₹100 spent on all other Spends (barring exclusions)

Note: The transaction amount will be rounded down to the lowest multiple of ₹100. E.g., for a transaction amounting to ₹12,345 Air Miles will only be credited for ₹12,300 (lowest multiple of ₹100).

No, you will not earn Air Miles on International transactions.

No, you will not earn Air Miles on EMI transactions.

Air Miles will be accrued for following categories (exclusions):

• Utility/Telecom (4812, 4814, 4899, 4900)
• Insurance (5960, 6300)
• Education and Government (8211, 8220, 8241, 8244, 8249, 8299, 9211, 9222, 9223, 9399, 9402, 9405, 9950) {except tax payments, 9311}
• Rent (6513)
• Fuel (5172, 5541, 5542, 5552, 5983)
• Wallet Loading (6540)
• Gaming & gaming digital (5816, 7994)
• EMI
• Cash Advance
• International Transactions

Accelerated Air Miles earned on travel spends done on Kotak Unbox Platform will be capped at 1,00,000 Air Miles per statement cycle. However, post reaching the limit customers would still earn 3 Air Miles per ₹100.

E.g.: If a customer spends 14,28,571 on Flight, Hotel, and add-ons via Kotak Unbox in a statement cycle, they will reach the limit of 1L Air Miles in the cycle. Any spends done beyond that will accrue 3 Air Miles for every ₹100 spent (barring exclusions).

Air Miles will reflect in your account within 5 days of transaction settlement.

The Cardholder may redeem the Air Miles for:

1. Travel Booking on Kotak Unbox

2.  Non-travel spends like Vouchers, Gift Cards on Kotak Unbox

3. Transfer to respective Hotel/Airline Partners on Kotak Unbox

Option1: Air Miles Redemption Value for Travel Booking on Kotak Unbox

1 Air Mile = ₹1 redemption value on Flight, Hotel, and Add-on Bookings on Kotak Unbox

Option 2: Air Miles Redemption Value for Non-Travel Spends like Vouchers, Gift Cards on Kotak Unbox

1 Air Miles = ₹0.5

Option 3: Air Miles Conversion into respective Hotel/Airline Partners on Kotak Unbox

For Travel bookings on Kotak Unbox

• Minimum 500 Air Miles are required in order to make Flight & Hotel Bookings
• Customer will have an option to decide how much he/she wants to pay via Air Miles & Solitaire Credit Card

For Non-travel spends like Vouchers, Merchandise on Kotak Unbox

• Minimum 500 Air Miles are required for purchasing Vouchers or Catalogue
• Customer will also have an option to decide how much he/she wants to pay via Air Miles and Credit Card

For Miles transfer to partner Airlines/Hotel

• Minimum 2,000 Air Miles required for transferring into respective Hotel and Airline Partners
• No max capping on transferring Air Miles to partner Hotel & Airline Partners

No, there will be no redemption charges for the Air Miles

Primary & Add-on cardholders will get Unlimited Domestic & International Lounge Access. Additionally, Primary card holder also gets lounge access for their guest limited to 2 Domestic & 2 International lounges in a year.

Solitaire cardholder must present their Card at the time of utilizing the lounge, along with a valid boarding pass & govt. ID proof

Cardholders get 1% waiver across all petrol pumps in India. The waiver will only be applicable on transactions between ₹400-7,500 and will be capped at ₹10,000 in an anniversary year.