M16S / Kotak Mahindra Bank / Kotak Solitaire Credit Card
super-premium · travel, rewards
Kotak Solitaire Credit Card
The Kotak Solitaire Credit Card costs Rs 25,000 a year. Its base return is 3% (3 Air Miles per Rs 100). Accelerated earn: 10 Air Miles per Rs 100 on flight and hotel bookings via Kotak Unbox. The forex markup is 0%. Lounge visits in India: Unlimited for primary and add-on. Abroad: Unlimited for primary and add-on via Priority Pass. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 25,000+ GST
- Fee waived at
- —
- Base return
- 3%
- Forex markup
- 0%
- Interest
- 3.5%a month
What changed on this card
- Kotak Private credit card: Rs 49,000 fee, zero forex, invite only, Nov 2026
Kotak Mahindra Bank now has a public page for its invite-only Kotak Private credit card. Its terms show a Rs 49,000 annual fee, waived for eligible Kotak Private clients, and nil forex markup.
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 25,000 |
| Fee notes | No joining or annual fee while the holder is in Kotak's Solitaire programme; Rs 25,000 + GST annual fee applies if downgraded out of the programme. Metal card; up to 4 metal add-ons free. |
Rewards
| Reward currency | Kotak Air Miles |
|---|---|
| Base earn | 3 Air Miles per Rs 100 |
| Base return | 3% |
| Point value | 1 Air Mile = Rs 1 on Unbox travel; Rs 0.50 on vouchers |
| Accelerated earn | 10 Air Miles per Rs 100 on flight and hotel bookings via Kotak Unbox |
| Caps | Accelerated miles capped at 1,00,000 per statement cycle, then 3 per Rs 100. Spend rounded down to the nearest Rs 100. |
| Spends that earn nothing | Rent, wallet, fuel, utility and telecom, insurance, education, government (tax payments do earn), digital gaming, international spends, EMI |
| Points expiry | 3 years from credit |
| Reward notes | No redemption fee. Min 500 miles for travel/vouchers, 2,000 for partner transfers, no transfer cap. base_return_pct = 3 miles per Rs 100 at Rs 1 on Unbox travel. |
Transfers
| Partners | Air India Maharaja Club, British Airways, United MileagePlus, Cathay Pacific, Air France-KLM Flying Blue, Qatar Airways, Accor ALL, Marriott Bonvoy |
|---|---|
| Ratio | Air India 1:1; British Airways, United, Cathay, Flying Blue, Qatar, Accor 2:1; Marriott 3:1 |
Travel and perks
| Domestic lounge | Unlimited for primary and add-on |
|---|---|
| International lounge | Unlimited for primary and add-on via Priority Pass |
| Lounge conditions | Guests: 4 visits a year on the primary card (max 2 domestic, 2 international). No spend condition stated. |
| Forex markup | 0% |
| Fuel surcharge waiver | 1% on Rs 400-7,500 txns, cap Rs 10,000 per anniversary year |
| Other freebies | Concierge; Visa hotel offers (ITC, Elivaas); District by Zomato 20% off up to Rs 5,000 twice a month; Zomato Gold at Rs 1; PVR luxury-format buy-2-get-1 (time-bound offers) |
Charges and eligibility
| Interest per month | 3.5% |
|---|---|
| Late payment fee | By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300 |
| Cash advance fee | 1% of amount; no interest on cash withdrawals until the payment due date |
| Eligibility | Invite-only; holder must be part of Kotak's Solitaire programme. Criteria not stated on the card page. |
| Fine-print notes | Zero forex markup, but international spends earn no Air Miles. No overlimit, rent, utility, fuel, wallet or education surcharges per KFS. Page ran a 30% transfer bonus 1 Jul-30 Sep 2026 that also named Air Canada and Etihad as partners. |
Questions
- What is the annual fee of the Kotak Solitaire Credit Card?
- Rs 25,000 a year, before GST.
- Does the Kotak Solitaire Credit Card give airport lounge access?
- Yes. In India: Unlimited for primary and add-on. Outside India: Unlimited for primary and add-on via Priority Pass. Conditions: Guests: 4 visits a year on the primary card (max 2 domestic, 2 international). No spend condition stated.
- What is the forex markup on the Kotak Solitaire Credit Card?
- 0% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Kotak Solitaire Credit Card?
- Rent, wallet, fuel, utility and telecom, insurance, education, government (tax payments do earn), digital gaming, international spends, EMI