Kotak Solitaire Credit Card
Joining Fee
Renewal Fee
Best Suited For
Reward Type
|
Welcome Benefits
Movie & Dining
N/A
Rewards Rate
10 Air Miles/₹100 Spent on Kotak Unbox Platform. 10 Air Miles/₹100 on Other Spends
Reward Redemption
Transfer Air Miles to Preferred Hotel/Airline Partner (1 Air Mile = ₹1)
Travel
Guest Airport Lounge Visits Provided
Domestic Lounge Access
Unlimited Access for Primary and Add-on Cardholders
International Lounge Access
Unlimited Global Access for Primary and Add-on Cardholders
Golf
N/A
Insurance Benefits
N/A
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Foreign Currency Markup
Zero Charges
Interest Rates
3.5% (42% Annually)
Fuel Surcharge
1% Waiver on Transactions Between ₹400 – ₹7,500. Maximum Waiver of ₹10,000 Each Year
Cash Advance Charges
1% of the Amount Withdrawn
- The Solitaire Credit Card is a super premium offering by Kotak Mahindra Bank.
- Kotak Solitaire customers do not have to pay any joining or annual fees for this card.
- Cardholders can earn accelerated 10 Air Miles for travel spends with Kotak Unbox.
- Air Miles earned with this card shall be valid for a period of three years.
- Air Miles can be transferred to over 10 partner hotels and airlines.
- Free global airport lounge access is offered with this card.
- 1% fuel surcharge waiver up to ₹10,000 each year.
Pros
- The Kotak Solitaire Credit Card is essential for Solitaire account holders, as they enjoy all the benefits of this card without any joining or annual fees.
- In addition to unlimited global airport lounge access, the card also includes complimentary visits for guests.
Cons
- While this card has no Forex markup fee, it lacks rewards for international transactions, making it more of a Forex card than a practical credit card for spending abroad.
- For a credit card that is positioned as a premium offering, this card lacks crucial benefits and privileges, such as golfing and movie discounts.
Earn AirMiles on Your Travels
The Kotak Solitaire Credit Card offers curated rewards across multiple spend categories, primarily travel.
- While you travel, earn 10 Air Miles for every ₹100 spent on flight and hotel bookings made through Kotak Unbox. This accelerated reward rate for travel bookings is capped at 1,00,000 Air Miles, after which cardholders shall earn the base reward rate.
- For everyday purchases, earn 3 Air Miles per ₹100 spent.
- 1 Air Mile equals ₹1 when redeemed for flights, hotels, and travel add-ons on Kotak Unbox. For other redemptions, 1 Air Mile equals ₹0.5 for vouchers, merchandise, and more. It is best to redeem Air Miles via Kotak Unbox or transfer them to partner hotels/airlines.
Exclusions
No Air Miles will be awarded for utility services, telecommunications, EMI transactions, international spends, insurance, education, government services, rent, fuel, wallet loading, and gaming, including digital gaming.
Transfer Air Miles to Partner Airlines/Hotels
A minimum of 2,000 Air Miles is required to transfer the Air Miles earned with a Solitaire Credit Card to the respective hotel and airline partners. One positive aspect for frequent travelers is that there is no maximum limit on the number of Air Miles that can be transferred to partner hotels and airlines.
| Airline/Hotel Partner | Air Miles : Partner Miles |
| Etihad Airways | 2:1 |
| Qatar Airlines | 2:1 |
| British Airways | 2:1 |
| United Airlines | 2:1 |
| Cathay Pacific | 2:1 |
| Air France | 2:1 |
| Air Canada | 2:1 |
| Air India | 1:1 |
| Accor | 2:1 |
| Marriott | 3:1 |
Unlimited Global Lounge Access
Owing to its superior status, the Kotak Solitaire Credit Card provides unlimited domestic and international airport lounge access for both primary and add-on cardholders. Additionally, this card offers four complimentary visits for any guests.
- Unlimited domestic and international airport lounge access (for primary and add-on cardholders)
- Enjoy four free airport lounge visits for guests: two domestic lounge accesses and two international lounge accesses per year. Guests can use both lounges simultaneously.
- For international lounges, a validation charge of $1 will be debited from the credit card, which will be automatically reversed within seven working days.
- For domestic lounges, a validation charge of ₹2 will be debited from the credit card.
Complete List of Domestic Lounges (Dreamfolks)
Spend Freely While Traveling Abroad With 0% Forex Charge
With the Kotak Solitaire Credit Card, cardholders can make international purchases without worrying about any Forex charges. This card has a zero Forex markup fee, making it an optimal choice for spending abroad. However, it’s important to note that while this card does not have a Forex markup, it does not offer any Air Miles on international transactions, which may lessen the overall experience. Nonetheless, it remains a good option for spending overseas.
Solitaire Credit Card Review
The Kotak Solitaire Credit Card is a premium metal card specifically designed for Kotak Solitaire customers. Individuals who maintain a total relationship value of ₹75 lakh or more qualify for the lifetime-free Solitaire Credit Card. This card is particularly beneficial for frequent travelers, both domestically and internationally, as it provides an excellent rewards rate for travel bookings made through Kotak Unbox and offers zero foreign exchange charges on international transactions.
However, it is worth noting that the reward rate for the Solitaire Credit Card could have been even better if it included rewards for international spending, which is considered one of its major drawbacks. Despite this, the card remains a must-have for Kotak Solitaire customers, allowing them to enjoy all of its benefits at no cost. From free unlimited airport lounge access to Visa Infinite benefits, there is alot offered by this card.
While Kotak Solitaire Credit Card is a good option for Solitaire Banking customers, it cannot compete with other premium cards like Infinia or Emeralde Private Credit Card.
FAQs:
What are the annual charges of the Kotak Solitaire Credit Card?
How much is the fee for cash withdrawal with this card?
What hotel benefits do I get with the Kotak Solitaire Visa Infinite Credit Card?
What is the total relationship value needed for the Kotak Solitaire account?
When will the Air Miles earned with the Kotak Solitaire Credit Card reflect in my account?
Can I get an add-on Kotak Solitaire Credit Card?