Kotak Solitaire Credit Card credit card
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Kotak Solitaire Credit Card

Kotak logo Kotak
8.8
CardTrail Score
Very Good
out of 10
Net Value
10.0
Accessibility
5.0
Feature Depth
10.0
Bank Trust
7.5
How we score →
Annual Fee
₹25,000
Waived for Kotak Solitaire Program customers
Forex Markup
0%
No extra charge
Reward Rate
3%
Up to 10%
Lounge Access
Unlimited
domestic | Unlimited intl

About This Card

The Kotak Solitaire Credit Card is a premium credit card from Kotak with an annual fee of ₹5,000. It delivers a solid 1.0% reward rate on all spends. Key perks include 8 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers and dining enthusiasts.

Pros & Cons

Pros

  • Competitive 1.0% reward rate
  • Low forex markup at 2.0%
  • Generous lounge access benefits
  • Fuel surcharge waiver saves on petrol/diesel

Cons

  • High annual fee of ₹5,000
  • 2.0% forex markup on international transactions
  • Requires minimum ₹12L annual income

Fee Details

Annual Fee
₹25,000
Joining Fee
Free
Fee Waiver Condition
Waived for Kotak Solitaire Program customers
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
3%
Max Rate
10%
Currency
Air Miles
Welcome Bonus
Included with Solitaire program membership

Lounge Access

Domestic Lounges
Unlimited
International Lounges
Unlimited

Key Highlights

  • Annual fee ₹5,000 (waiver: Spend ₹5L/year)
  • 1.0% reward rate on all spends
  • 8 complimentary domestic lounge visits/year
  • 4 international lounge visits/year

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Active Offers (1)

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Offer 6d left

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New Zomato Gold subscribers get 50% off up to Rs 300 on first order using Kotak credit cards.

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Quick Summary

Best For
travel dining
Annual Fee ₹25,000
Base Reward 3%
Max Reward 10%
Forex Markup 0%
Network Visa Signature
Min Income ₹12L+

CardTrail Score

8.8
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

travel dining

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