Card Details
Kotak Solitaire Credit Card
Monzy Score
7.5/ 10
Very good for lounge-hungry travellers.
Lifetime free, so no fee to earn back; ~2.5% back on top spends; thin rewards outside its core category.
Card Issuer
Kotak Mahindra Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Miles
Card Access
Standard
Changes to this card
Offers from Kotak Mahindra Bank
See allReliance Digital: Ganesh Chaturthi Offer | Up to ?6000 instant discount with select Kotak Mahindra Bank Credit Cards and Credit Cards EMI transactions
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Electronics Deals · till 30 Sep 2026
Earn Points
10pts
/₹100 on Flights via Kotak Unbox (up to ₹10L/Mo)
10pts
/₹100 on Hotels via Kotak Unbox (up to ₹10L/Mo)
20pts
/₹100 on Apparel & Jewellery
3pts
/₹100 on All Other Purchases
Benefits
10 Air Miles/₹100 on Kotak Unbox travel
- Accelerated travel rewards
- 10 Air Miles per ₹100 on Kotak Unbox travel
- 3 Air Miles per ₹100 on other spends
- 1 Air Mile = ₹1 on Kotak Unbox travel bookings
- Accelerated earnings capped at 1,00,000 Air Miles
- Utilities, telecom, EMI, fuel, international and similar spends earn no miles
- Comprehensive lounge program
- Unlimited lounge visits worldwide for cardholder and add-ons
- Four guest visits included annually
- Guest visits limited to two domestic and two international per year with validation swipes
Luxury stays: 3rd night free or 50% off 2nd…
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet, government, emi
Estimated Returns
Flight & hotel via Kotak Unbox
10 AirMiles/100
₹3,000
All other eligible spends
3%; overall 100000 AirMiles/cycle
₹0
Total Annual Return
₹36,000
10% Effective ROIWhat Users Are Saying
Community Feed
Dec 2025
“Kotak Solitaire Credit Card users, how are you actually”
by r/IndianCreditCards, Dec 2025
“Kotak Solitaire gave me insane savings, am I missing”
by r/CreditCardsIndia, Jun 2026
“Kotak Solitaire Banking in Detail”
by r/CreditCardsIndia, Jul 2025
“Recently offered Kotak Solitaire a/c and credit card”
by r/CreditCardsIndia, Jul 2025
“I'm getting a pre approved Kotak Solitaire Credit card”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The Kotak Solitaire Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because Kotak Mahindra Bank prices some variants differently.
Things to Keep in Mind
Accelerated Kotak Unbox earn rate capped at 1,00,000 Air Miles annually.
No Air Miles on utilities, telecommunications, EMI transactions, international spends, insurance, education, government services, rent, fuel, wallet loading, or gaming transactions.
Annual fee of ₹25,000 + GST applies if you exit the Kotak Solitaire banking program.
