Question 1

What is the annual fee on the Kotak Solitaire Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the Kotak Solitaire Credit Card?

Accepted Answer

You earn 10 points per ₹100 on flight and hotel bookings through Kotak Unbox. Everything else earns 3 points per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 1000 points, roughly ₹250, which is about 2.5% back. The accelerated rate stops after ₹10,00,000 of spend in a month. Fuel, Railway, Cash Withdrawal earn nothing at all.

Question 3

Which spends do not earn rewards on the Kotak Solitaire Credit Card?

Accepted Answer

Fuel, Railway, Cash Withdrawal earn nothing on this card. Reward points are not applicable on fuel, railway, and cash withdrawal transactions. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

Question 4

What changed on the Kotak Solitaire Credit Card recently and is it still worth it in 2026?

Accepted Answer

No card specific cut has been announced, though Kotak Mahindra Bank has been trimming rewards across its portfolio. It costs nothing to hold, so keep it as a backup card and stop treating it as your main one if your top category no longer earns.

Card Details

Kotak Solitaire Credit Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind