Lifestyle

Travel Like Royalty, Together

Create unforgettable memories with your family and indulge in exclusive travel and lifestyle privileges

Travel and Earn

Earn 10 Air Miles for every ₹100 spent on travel bookings through Kotak Unbox

Unlimited Lounge Access

Unlimited Lounge access globally for you and your add-on card members

Luxury Stays

Exclusive offers with 3rd night free
or 50% off on 2nd night at
ITC, Elivaas, and Alaya

Air Miles = Travel Miles

Transfer Air miles to your preferred airline/hotel programme. Redeem for travel bookings: 1 Air mile = ₹1

One card for all your spending needs

Enjoy unique benefits with your card

Rewarding every Indulgence

Earn 3 Air Miles for every ₹100 spent on other purchases

Zero Forex Markup

Zero Forex Mark-up on all international spends

Cash withdrawal charges

Just 1% cash withdrawal fee and zero interest till payment due date

Crafted in metal

An exquisitely metal built card that reflects elevated lifestyle

Experience curated rewards and privileges with your Kotak Solitaire Credit Card

Earn while you travel: Get 10 Air Miles for every ₹100 spent on flight and hotel bookings made through Kotak Unbox.
Everyday purchases: Earn 3 Air Miles per ₹100 spent on other purchases.

Make the most of your Air Miles

Redeem it for flights, hotel stays, merchandise, or transfer them to our partner miles.

Travel bookings: 1 Air Mile = ₹1 when redeeming for flights, hotels, and travel add-ons on Kotak Unbox.
Other redemptions: 1 Air Mile = ₹0.5 for vouchers, merchandise, and more.
Partner miles: Convert Kotak Air Miles to airline/hotel miles. Click here for conversion ratios.

Please click here to know the steps on how to access Kotak Unbox.

Note:

Redemption to Vouchers, Merchandise, Catalogue, and Partner Miles Transfer will be live soon.
Earnings via Kotak Unbox is capped at 1,00,000 Air Miles per statement cycle. Once capping is reached, customer will still continue to earn base air miles (i.e., 3 for every ₹100 spent)
No Air Miles will be earned on fuel, rent, wallet, utility, telecom, insurance, education, government, and international spending.
Minimum 500 Air Miles are required for redemeeing on travel bookings, vouchers & merchandise.
Maximum Air Miles redemptions allowed for travel bookings, vouchers & merchandise, etc. is 80% of the purchase value.
Minimum 2,000 Air Miles are required for partner miles transfer.

Click here to know detailed terms & conditions of Kotak Solitaire Credit Card.

Lounge Program

Enjoy world-class lounges worldwide, offering complimentary refreshments, seamless internet access, and a tranquil ambiance.

	Benefit	Lounge list	How to access
International Lounge Access (Powered by Priority Pass)	Unlimited International lounge access for primary and add-on card holders	Click Here	Present your Credit Card/ Digital QR code available on the Priority Pass app
Domestic Lounge Access (Powered by DreamFolks)	Unlimited Domestic lounge access for primary and add-on card holders	Click Here	Present your Credit Card at the lounge
Guest Access	4 complimentary lounge visits per primary cardholder, limited to 2 domestic and 2 international	Same as above	Present your Credit Card at the lounge

International Lounge Access:

Activate international transactions (online & in-store/POS) using your Kotak Bank Mobile App or Net Banking to enable visit validation transaction.
Visit validation charges of $1.00 will be debited from your Credit Card and will be auto-reversed within 7 working days.

Domestic Lounge Access:

Visit validation charges of INR 2/- would be charged at the lounge.

Click here for applicable TnC on Lounge Access.

Save more when you travel abroad with Zero Forex Mark-up

Enjoy Zero Forex mark-up on all your international transactions

Access cash conveniently with minimal withdrawal fees

Just 1% cash withdrawal fees across all ATMs around the globe with no interest/APR charges till the payment due date for cash withdrawals.

Drive more, Pay less - enjoy fuel surcharge waivers

Enjoy 1% Fuel Surcharge Waiver across all Petrol Pumps in India

Fuel Surcharge Waiver will be applicable on transactions between ₹400 - ₹7,500

Note: Maximum Fuel Surcharge Waiver of ₹10,000 in an anniversary year

Visa Privileges

Elevate your getaways with exclusive luxury stay benefits

Enjoy unmatched hospitality and exclusive privileges at ITC Hotels, Elivaas Villas, and Alaya Stays. Your exclusive stay privileges -

50% off on the second night of your stay

Complimentary 3rd night when you book 2 consecutive nights

Hotel	3rd Night Free	50% off on 2nd Night	TnC
ITC	Click Here	Click Here	Click Here
Elivaas Stay	Click Here	Click Here	Click Here
Alaya Stay	Click Here	Click Here	Click Here

Please note that these benefits are provided by Visa and subject to change without any prior intimation.

Value Chart

Spends Categories	Spends (in ₹)	Savings %	Savings (in ₹)
Domestic Hotels	100,000	10%	10,000
Domestic Flights	100,000	10%	10,000
International Hotel	200,000	10%	20,000
International Flights	400,000	10%	40,000
Savings on foreign Spends	400,000	3.5%	14,000
Fuel Surcharge Waiver	75,000	1%	750
Exclusions	225,000	-	-
Other Spends	500,000	3%	15,000
Domestic Lounge for Self and Add-On			30,600
International Lounge for Self and Add-On			27,000
Lounge for Guest			9,400
Luxury Stay benefit: 3rd night free and 50% off on 2nd night			30,000
Total	20,00,000	10.34%	2,06,750

Fees and Charges

Fees and Charges	Kotak Solitaire Credit Card
Joining Fee	Nil
Annual Fee	₹25,000 (waived off for Kotak Solitaire Program customers)
Condition for waiver of Joining/Annual Fee	Waived off for Kotak Solitaire Program customers
Interest charges on outstanding balances	3.5% (Annualized @ 42%)
Add on card fees	Waived
Foreign currency Mark Up	Waived
Fee for cash payment at Bank	Waived
Reissue/ Replacement Card	Waived
ATM Cash withdrawal	1% of advance amount
Over- limit charge	Waived
Minimum amount due (MAD) (It will reflect in statement in column of minimum amount due)	MAD is 1% of all transactions, cash advances & 100% of EMI, Finance Charges, Fees/Charges & Tax
Call a draft/ Fund Transfer per ₹ 10,000 or part thereof	Rs. 300 per Rs. 10000 or part thereof
	Due as per last statement	LPC charges
	<= ₹ 100	0
	> ₹ 100 - ₹ 500	₹ 100
Late payment charges ("LPC")	> ₹ 500 – ₹ 5,000	₹ 500
	> ₹ 5,000 – ₹ 10,000	₹ 600
	> ₹ 10,000 – ₹ 25,000	₹ 800
	> ₹ 25,000 – ₹ 50,000	₹ 1000
	> ₹ 50,000+	₹ 1200
Cheque bounce charges	2% on bounce amount, subject to maximum of ₹500
Auto debit return/Standing instruction fees	2% on bounce amount, subject to minimum of ₹450 and maximum of ₹5,000
BT Fee (TC-116)	Rs.349 per Rs.10,000 or part thereof
BT Fee (TC - 117)	2%

Please Note: GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card.

“Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited. All features and benefits are subject to Credit Card Terms and Conditions. Please read the Credit Card terms and conditions carefully provided on the bank website www.kotak.com”