M16S / Kotak Mahindra Bank / Kotak Solitaire Business Credit Card
premium · business, rewards
Kotak Solitaire Business Credit Card
The Kotak Solitaire Business Credit Card costs Rs 3,499 a year, waived if you spend Rs 6,00,000 in a year. Its base return is 0.67% (2 points per Rs 150). The forex markup is 1.99%. Lounge visits in India: 1 per quarter. Abroad: 1 per year via Priority Pass. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 3,499+ GST
- Fee waived at
- Rs 6,00,000annual spend
- Base return
- 0.67%
- Forex markup
- 1.99%
- Interest
- 1.99%a month
Apply on kotak.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 3,499 |
| Annual spend that waives the fee | Rs 6,00,000 |
| Fee notes | Nil joining, Rs 3,499 annual; waived for Solitaire programme customers, or on Rs 6 lakh spend in 12 months for others (KFS). |
Rewards
| Reward currency | Reward Points |
|---|---|
| Base earn | 2 points per Rs 150 |
| Base return | 0.67% |
| Point value | 1 point = Rs 0.50 on Kotak Unbox |
| Accelerated earn | 'Up to 7X' on travel via Kotak Unbox (basis not explained on page). Special categories (utility, grocery, insurance, government incl. taxes, railways) earn 1 point per Rs 150. |
| Caps | Special categories: 1,000 points per statement cycle. Unbox travel accelerated points: 1,00,000 per cycle. |
| Spends that earn nothing | EMI, international spends, rent, wallets, fuel, education |
| Reward notes | Min 500 points; points can cover 100% of cart on Unbox. Vouchers and partner-mile transfer marked 'live soon'. base_return_pct = 2 points per Rs 150 x Rs 0.50 = 0.67%. |
Travel and perks
| Domestic lounge | 1 per quarter |
|---|---|
| International lounge | 1 per year via Priority Pass |
| Forex markup | 1.99% |
| Fuel surcharge waiver | 1% on Rs 500-5,000 txns, cap Rs 5,000 per anniversary year |
| Other freebies | Travel insurance; SaaS discounts via Nuclei |
Charges and eligibility
| Interest per month | 1.99% |
|---|---|
| Late payment fee | <100 nil; 100-500 Rs 100; 501-5,000 Rs 500; 5,001-10,000 Rs 600; 10,001-25,000 Rs 800; 25,001-50,000 Rs 1,000; >50,000 Rs 1,200 |
| Cash advance fee | Cash withdrawal not available |
| Eligibility | Business card; criteria not stated |
| Fine-print notes | Unusually low interest (1.99% a month) and forex markup (1.99%) for an Indian card. |
Questions
- What is the annual fee of the Kotak Solitaire Business Credit Card?
- Rs 3,499 a year, before GST. It is waived if you spend Rs 6,00,000 in a year.
- Does the Kotak Solitaire Business Credit Card give airport lounge access?
- Yes. In India: 1 per quarter. Outside India: 1 per year via Priority Pass.
- What is the forex markup on the Kotak Solitaire Business Credit Card?
- 1.99% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Kotak Solitaire Business Credit Card?
- EMI, international spends, rent, wallets, fuel, education