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Frequently Asked Questions

Why should I select a Kotak Credit Card?

Kotak Credit Cards symbolize the following guiding principles:

Simplicity

Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.

Transparency

Kotak Credit Cards are transparent in communicating upfront what the card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this card.

Relevance

Kotak Credit Cards have understood what you need the most from your credit card, and have been designed to give you only those benefits that are most relevant for you.

This promise from Kotak ensures that you only get the best from your credit card!

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Whom has the Solaris Platinum card been designed for?

The Kotak Solaris Platinum card has been specifically designed keeping in mind the fact that you have an affinity towards online spending/shopping; the Card is meant to augment your online experiences.

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What type of card is Solaris Platinum?

The Kotak Solaris Platinum Card is a mastercard Platinum card.

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Is this card valid internationally?

Yes, the Kotak Solaris Platinum card is valid internationally.

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Which all online merchants will I get accelerated reward points?

You will get accelerated reward points on all online transactions except MOTO, IVR transactions and standing instructions will be treated as point of sale transaction.

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How will I get my milestone bonus reward points?

On achieving any of the milestones, you will be eligible for get the bonus points, the same will be credited in your account in the statement one month post the anniversary date. Click here for detailed terms & conditions of the program.

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Where all can I use the bonus milestone reward points?

You can use the milestone bonus reward points for all the redemption options like Airline tickets | Air Miles | Movie Tickets | Mobile Recharge | Branded Merchandise

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Do I enjoy any interest free period on retail?

Yes, you enjoy an interest free period on retail transactions of up to 48 days.

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Do I enjoy any interest free period on cash?

The interest free period is limited only to the retail transactions & does not include cash transactions. The interest starts accruing from the date of cash withdrawal.

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What is the interest rate that is applicable to me?

The interest applicable to you is 3.50% per month

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When do you charge me an International mark-up fee?

A mark-up is charged to the tune of 3.5% every time you do an international transaction. Cash and Retail transactions will both attract a mark-up.

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When do you charge me an over limit charge?

If your transactions cross 100% of your credit limit, you will be charged a flat over limit fee of Rs. 500 in each billing cycle that you are over limit.

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When do you charge me a late payment fee?

Please click here

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How is the interest calculated on cash?

Interest charges = (Number of days for which a balance is held) * (Amount) * (Daily rate of interest) Daily rate of interest = (Monthly interest rate) * 12/365 Daily rate of interest = (3.5%) * 12/365 = 0.1118%

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Am I entitled for an Add on card?

Yes, Add on cards are available on Solaris Platinum Card. It is offered complimentary to the Kotak Solaris Platinum customers.

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Are all the Solaris Platinum Card features available on the Add on card?

Yes, all Solaris Platinum Card features can be availed by the add on card holder.

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Is there any fee for issuance of Add-on card?

No, Add-on is a complimentary card.

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In case of emergency where can I call?

In case, you feel a need to speak to a Customer care executive immediately, you could call us on 1860 266 2666 (24x7) Insurance Cover

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What is the insurance cover on the Kotak Credit Card?

On the Kotak Credit Card the insurance cover is for Lost/stolen card /fraudulent charges provided by New India Assurance Company Ltd.

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What does the Insurance cover include?

If your credit card is lost or stolen, New India Assurance Company Ltd will reimburse the unauthorized charges on your lost or stolen card, up to 7 days prior to your first reporting the event to Kotak Credit Card Customer Care.

Insurance is provided on both the primary card and the add-on/supplementary cards. We recommend that you read the Most Important Terms and Conditions and Cardholder Agreement for further details.

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What does the insurance cover exclude?

New India Assurance Company Ltd will not pay for any expenses or loss for:

  • Charges made on your lost or stolen credit card more than 7 days prior to your first reporting the event to Kotak Credit Cards Customer Care.
  • Charges made on your lost or stolen credit card after you first reported the event to Kotak Credit Cards Customer Care.
  • Charges made on your credit card if your credit card has not been lost or stolen;
  • Cash advances made with your lost or stolen credit card;
  • Charges incurred by a resident of your household, or by a person entrusted with your credit card.

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What is the total sum insured?

The sum insured is Rs. 25,000.00 / 100,000 / 125,000 / 2,50,000.00 per annum for Silver, Gold, Platinum/Titanium and Signature cards respectively.

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What do I have do, in case my credit card is lost or stolen?

  1. In case your card is lost or stolen immediately call Customer Contact Center(1860 266 2666) and get your card deactivated / blocked / cancelled to prevent misuse .
  2. In case of any fraudulent transaction on your card, you are required to register a claim with the Bank at(1860 266 2666) or send email  through your internet banking account on our website www.kotak.com by using your Kotak internet banking user id and password for registering the claim.
  3. Send a copy of the Customer Dispute Form & FIR Copy to the Bank. You can either fax us at 022 – 66466901 or mail a scanned copy at kotakcredit.cardalert@kotak.com & att.cards@kotak.com

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Where is the waiver valid?

Most credit card companies have tie-ups with only a select oil companies and hence the waiver is valid only at select petrol pumps, but Kotak Solaris Card will offer the customer fuel surcharge waiver across all domestic petrol pumps.

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What is the minimum/ maximum transaction amount for a single swipe?

The minimum is Rs. 400 and the maximum is Rs. 3500.

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What is the maximum fuel surcharge waiver that I can get on a single transaction?

The maximum eligible transaction amount for a single swipe is Rs. 3500. Hence maximum surcharge waiver can be Rs. 35 (currently at 1%) of Rs. 3500.

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Is there any monthly or annual cap on how much surcharge can I earn?

Maximum Fuel surcharge waiver allowed in a statement cycle is Rs. 100/-. Fuel transactions will not earn any reward points

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When is the waiver applicable?

On purchasing of rail tickets online the customer levied surcharge and a delivery charge of Rs. 30. Solaris Platinum Card. Card offers you a Railway Surcharge on this.(ST applicable)

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What is the maximum surcharge waiver that I can get?

You can earn up to Rs. 500 annually as Railway Surcharge waiver. No reward points will be offered on any railway transaction.

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Is the waiver applicable at the ticket booking counters as well?

Surcharge waiver is applicable at booking counters as well if you use your Solaris Platinum Card to buy the tickets.

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What is a milestone program?

During an anniversary period, if a customer achieves certain spend threshold, he/she will be entitled for bonus reward points, over and above the base reward points of the card.

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Is there a special service offered while canceling the tickets?

No there is no special service offered. The surcharge will be automatically reversed if you cancel the tickets.

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