Solitaire Business Credit Card

Crafted for the select few

Low Interest Rates

Enjoy a low interest rate of 1.99% per month

Attractive Reward Points

Turn your spends into rewards! Earn up to 7X points and redeem it easily on Kotak Unbox

Competitive Forex Markup

Avail of a competitive forex markup of 1.99% on international transactions

One card for all your business needs

Maximize your savings with a Kotak Solitaire Business Credit Card

Airport Lounge Access

Bring luxury to your travels with 1 domestic lounge access per quarter and 1 international lounge access per year

Fuel Surcharge Waiver

Save more with a 1% fuel surcharge waiver on every journey

Smart Savings on Business Software

Get discounts* on business software such as Google Workspace, AWS, MS Azure & more.

Travel Insurance

Complimentary travel insurance^ coverage

*Click here to view offers on business software

^ Click here for details and claims on insurance

Kotak Solitaire Business Credit Card - Where your Expense Unlocks Exclusive Rewards

Experience a credit card designed to match your business ambitions. Enjoy curated privileges and accelerated rewards on your spends.

Accelerated Rewards on Travel: Earn 7X Reward Points (every ₹150 spent) on flight and hotel bookings made via the Kotak Unbox platform

Smart Rewards Across Spend Categories - Make every transaction work for you

Earn 1 reward point on every ₹150 spent on special categories*
Earn 2 reward points on every ₹150 spent elsewhere

Redemption Made Rewarding

1 Reward Point = ₹0.50 when redeemed via the Kotak Unbox platform
Kotak Unbox Platform: Customers can redeem up to 90% of the cart value using reward points on the Unbox platform.

Click here to view detailed terms & conditions related to Reward Point transfer and redemption on the Kotak Solitaire Corporate Credit Card.

NOTE:

*Special categories includes transactions on utility bills, groceries, insurance premiums, government payments (including taxes), and railway bookings
Rewards earned on special categories are capped at 1000 points per statement cycle
Reward points are not applicable on EMI transactions, international spends, and select categories including rent, wallets, fuel, and education
Redemption to vouchers, merchandise, catalogue, and partner miles transfer will be live soon
Minimum 500 reward points are required for redemption
Accelerated reward points earned through travel spends on Kotak Unbox Platform are capped at 1,00,000 Reward points per statement cycle

Relax in style with exclusive airport lounge access

	Benefit	Lounge list	How to access
International Lounge Access Powered by Priority Pass	1 complimentary international lounge visit per year	Click Here	Present your Kotak Solitaire Business Credit Card / digital QR code via Priority Pass App
Domestic Lounge Access	1 complimentary domestic lounge visit per quarter	Click Here	Present your Kotak Solitaire Business Credit Card at the lounge

International Lounge Access:

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

Domestic Lounge Access:

Visit validation charge of ₹ 2 will be applicable at the lounge.

Click here for detailed Terms & Conditions on lounge access.

Value Chart

Kotak Solitaire Business Credit Card	Spend %	Spends (in ₹)	Savings (in ₹)
Domestic Hotel	15%	225,000	10,500
Domestic Flights	15%	225,000	10,500
International Hotel	15%	225,000	10,500
International Flights	15%	225,000	10,500
Spends on special categories	10%	150000	500
Spends elsewhere	21%	315,000	2,100
Savings on Foreign mark-up	6%	90 000	1,359
Domestic Lounge			2,500
International Lounge			3,500
Fuel Surcharge Waiver	3%	45000	450
Annual Fee Waiver			3,499
Total Spends	100%	1,500,000
Total Benefits			55,908
Savings %			4%

Fees and Charges

Fee & other Parameters	Kotak Solitaire Credit card
Joining Fees	Nil
Annual Fees	Nil (₹3,499 will be charged if downgraded from Kotak Solitaire Program)
Add On Card Fees	Not Applicable
Interest charges on outstanding balances	1.99% (Annualized @ 23.88 %)
Foreign Transaction Mark Up	1.99%
Fuel Surcharge Waiver	· 1% Fuel Surcharge Waiver across all Petrol Pumps in India
	· Applicable on transactions between ₹500 - ₹5,000 (Excluding taxes)
	· Maximum Fuel Surcharge Waiver- ₹5,000 in an anniversary year
Reissue/ Replacement Card (per issuance)	₹100
ATM Cash Withdrawal/ Cash Advance	Not Allowed
Over Limit Charges	Not Allowed
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	MAD is 5% of all transactions & 100% of EMI, Finance Charges, Fees/Charges & Tax
Late Payment Charges ("LPC")	Due as per last statement	LPC Charges
	<₹100	₹ 0
	₹ 100 – ₹500	₹ 100
	₹ 501 – ₹5,000	₹ 500
	₹ 5,001 – ₹10,000	₹ 600
	₹ 10,001-₹25,000	₹ 800
	₹25,001-₹50,000	₹1,000
	>₹50,000	₹1,200
Cheque Bounce Charges	2 % of bounce amount subject to minimum of ₹500
Standing Instruction Failure (Auto debit, NACH and ECS)	2 % of bounce amount subject to minimum of ₹450 & maximum of ₹5000
BT Fee	Not Applicable
Railway booking surcharge waiver	Not Applicable

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”

Complimentary Solitaire Business Credit Card