Kotak Solitaire

Your journey is unique, and we are here to make every step a delight. At Kotak Solitaire, we offer exclusive privileges, expert access to investment tools to grow your wealth, and personalised service—ensuring every experience is tailored to your needs, so you can focus on what truly matters.

Crafted exclusively for the select few

Wealth Management Services

Invite-only Kotak Solitaire Credit Card

Quick Loan Solutions

Financial Flexibility

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Frequently Asked Questions

Who is eligible for a Kotak Solitaire account?

Kotak Solitaire is by invitation only. To be eligible, you must meet certain relationship value criteria. The relationship value is calculated based on the combined holdings of all family accounts.

The eligibility criteria requires that the total relationship value must exceed ₹75 Lakh for salaried customers and ₹1 Crore for self-employed customers across all family accounts. The relationship value constitutes combined holdings with Kotak Mahindra bank and includes the total balances across Current and Savings accounts, fixed deposits, mutual fund holdings, life insurance premiums paid, 30% of sanctioned loans (including Kotak Home Loans, Loans Against Property, Working Capital), 30% of Demat holdings with Kotak Securities linked to Kotak Mahindra Bank account.

To group your family accounts and determine your eligibility, please contact your relationship manager.

Who all can I group in my family so as to extend Kotak Solitaire benefits to them?

As the primary Kotak Solitaire account holder, you can group your spouse, parents, children and daughter-in-law. While the relationship needs to be authenticated by you, no formal proof of relationship is required. Minors can also be added, but they cannot be the primary account holder.

For non-individual accounts like businesses, multiple Customer Relationship Numbers (CRNs) can be grouped together if at least one individual in each group holds an ownership position, such as proprietor, partner or director.

However, public charitable institutions, NGOs, government bodies, and clubs cannot have additional members added to their CRNs.

If you have a Hindu Undivided Family (HUF) account, its CRN can be grouped with other accounts as long as the Karta (manager of the HUF) is also part of the group, either as an individual or in their capacity as the Karta.

If I upgrade to Kotak Solitaire, will the other members in my group also be upgraded?

Yes, when you upgrade to Kotak Solitaire, the entire group associated with your account will also be upgraded and receive the corresponding program benefits.

What happens if my relationship value falls below the required threshold?

Your relationship value is reviewed every six months on an ongoing basis (or for any other reason deemed appropriate by the bank). If your combined holdings fall below the required threshold for Kotak Solitaire, bank reserves the right to withdraw your Solitaire benefits. We will notify you before any changes are made. If your Kotak Solitaire benefits are withdrawn, you will no longer receive the associated discounts, services, and other features. Your account(s) will then be subject to the standard minimum balance requirements, fees, and charges applicable to your specific account type(s).

If my family is part of Kotak Solitaire, will all the members get the Solitaire credit card?

The Solitaire credit card will only be issued to the primary account holder. Add-on credit cards will be given to maximum of 3 family members.

How can I use my credit card offers, such as flight and hotel booking etc.?

You can redeem your reward points and access offers through the Kotak Unbox portal.

When will I receive Solitaire debit card and chequebook?

Your Solitaire debit card will be issued (if applicable) in 5-7 working days from the date of upgrade.

A chequebook needs to be manually requested after upgrading your account. You can do this via the mobile banking app, net banking portal, or by contacting your relationship manager.

Can I earn FD-like interest on my Savings account?

Yes! With our ActivMoney feature, you can earn FD-like interest on your idle funds. Just enable ActivMoney through your mobile banking app.

Please note, on upgrading your account, the existing ActivMoney facility with the sweep thresholds lower than the default limits of 3 lacs, for all savings account variants belonging to your CRNs will be disabled and will have to be enabled again via your Mobile Banking app.

Is there an annual fee for the Kotak Solitaire credit card?

Annual fee is waived off for Kotak Solitaire customers. However, for any reason, if you have been downgraded, an annual fee of ₹25,000 if you do not maintain the required relationship value.

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Disclaimers

1. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

2. Kotak Mahindra Bank offers the Savings Account, while Kotak Securities offers the Demat and Trading Account. Investments are subject to market risks, read all scheme-related documents carefully. *Get zero brokerage on all trades with Trade Free Youth Plan at a subscription fee of Rs.99 and get zero brokerage on intraday trades with Trade Free Plan at Rs.0. By clicking on the link above, you are hereby giving your consent to receive calls/communications from Kotak Mahindra Bank Ltd. for marketing purposes through Telephone/Mobile/SMS/Email for the above mentioned product and that such consent shall prevail over any current or subsequent registration of your number for “Do Not Call”.

3. *Credit at the sole discretion of the bank and subject to guidelines issued by RBI from time to time. Credit limit of any type will be sanctioned as per the Credit policy of the bank & at its sole discretion. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.

4. 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.

5. ActivMoney (Auto Sweep) is a facility of automatically sweeping out funds above a pre-specified threshold from your Current/Savings Account to a Term Deposit (TD) Account for 180 days. In case of insufficient balance in Current/Savings Account, the TD will be broken prematurely and the required amount will be transferred to Current/Savings Account. Default Sweep Out and Sweep In for limit for an account variant are the minimum thresholds and one will not be able to opt for limits lower than these. Auto-Sweep out of funds above a pre- specified threshold from Savings to Fixed Deposit will be for 180 days (For NRE accounts it will be for 1 year) and in multiples of Rs. 10,000/- The nomination registered for Saving Account / Current Account will apply for FDs created through ActivMoney. If customer opts for ActivMoney in an account, standalone Fixed Deposits cannot be linked to that account. Terms and Conditions guiding the fixed deposit will be applicable to fixed deposits booked under ActivMoney. Bank may at its absolute discretion discontinue / suspend any of the services completely or partially with or without any notice to me.© Copyright Kotak Mahindra Bank Ltd.

6. Insurance is the subject matter of solicitation. Participation by Kotak Mahindra Bank Ltd.’s customers to buy insurance policy is purely voluntary and there is no direct or indirect linkage between the provision of banking services offered by Kotak Mahindra Bank Ltd. to its customers and products/services offered by Zurich Kotak General Insurance Company Ltd. Insurance products/services are obligations of Zurich Kotak General Insurance Company Ltd and are not guaranteed by Kotak Mahindra Bank Ltd. Zurich Kotak General Insurance Company Ltd. shall be liable or responsible for all matters arising out of or pertaining to the insurance products/ services offered by it.