Kotak Solitaire Credit Card

Ritika

Hello, fellow traveler! Are you looking for a credit card that fits your love for luxury travel? Let me introduce you to the Kotak Solitaire Credit Card. This special card is available only by invitation from Kotak Mahindra Bank. It’s not just another credit card; it’s a unique metal card that really stands out.

This card is made for smart travelers

The Kotak Solitaire Credit Card is designed for people who travel often and like a touch of luxury. It’s not just a way to pay; it’s your pass to better travel experiences and great savings.

Amazing Travel & Lifestyle Perks

This premium card is packed with great features:

Bonus Air Miles: Earn an impressive 10 Air Miles for every ₹100 you spend on flights and hotels booked through Kotak Unbox. For everything else, you still earn a nice 3 Air Miles for every ₹100.
Easy Redemptions: You can redeem your Air Miles at a 1:1 ratio for travel bookings on Kotak Unbox, so they really have value! You can also convert them into frequent flyer miles with partner airlines or hotels.
Unlimited Lounge Access: Enjoy unlimited free access to domestic (DreamFolks) and international (Priority Pass) lounges for yourself and any add-on cardholders. Plus, you get four free guest visits each year (two domestic and two international).
Luxury Hotel Deals: Get exclusive perks at fancy hotels like ITC, Elivaas Villas, and Alaya Stays. This includes a free third night when you book two nights or 50% off your second night.
No Foreign Transaction Fees: Say goodbye to annoying extra charges on foreign spending! This card has no Forex markup fees.
Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharges for transactions between ₹400 and ₹7,500, with a yearly cap of ₹10,000.

Rewards Program

Here’s how the rewards program works:

Earn 10 Air Miles for every ₹100 spent when you travel with Kotak Unbox.
For everyday purchases, earn 3 Air Miles for every ₹100 spent.
Travel Air Miles are limited to 1,00,000 per statement cycle; after that, you’ll earn 3 Air Miles per ₹100.
You won’t earn Air Miles on rent, fuel, utilities, insurance, and similar expenses.
Each Air Mile is worth ₹1 for travel bookings; for other options, it’s 2 Air Miles for ₹1.
You can convert your Kotak Air Miles to partner airline or hotel miles at a 2:1 ratio.
You’ll need at least 500 Air Miles to redeem; for partner transfers, you need 2,000 Air Miles.
You can use up to 80% of your purchase value with Air Miles, and there’s no limit on transferring them to partner hotels and airlines.
Redeeming Air Miles is free, and they will appear in your account within about five business days.

Other Benefits

Fuel Surcharge Waiver: Enjoy a 1% discount on fuel charges at petrol stations across India for transactions between ₹400 and ₹7,500, up to a maximum of ₹10,000 each year.
Low Cash Withdrawal Charges: Only 1% fee for cash withdrawals from any ATM around the world, with no interest until the payment due date.

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Fees and Charges

No joining fee.
Kotak Solitaire customers do not have to pay an annual fee.
If you downgrade, it will cost ₹25,000 each year plus taxes.
Interest on balances is 3.5% per month (that’s 42% per year).
There are no extra charges for additional cards, foreign currency, cash payments, or replacements.
No fees for going over your limit.
Cash withdrawals at ATMs cost 1% of the amount, with no interest until the due date.
Late payment fees depend on how much you owe.
The minimum payment is 1% of your transactions plus any full EMI or fees.
Drafts and fund transfers cost ₹300 for every ₹10,000.
Cheque bounce fees are 2%, with a maximum of ₹500.
Auto debit returns incur a fee of 2%, with limits.
The balance transfer fee is either ₹349 or 2%.
There are no charges for redeeming Air Miles.
International lounge access costs $1; domestic access costs ₹2.
Remember, taxes apply to all fees according to the Finance Act.

What to Know Before You Apply

Before you think about applying for the Kotak Solitaire Credit Card, keep these important points in mind:

It’s invite-only — you can’t just apply for it.
Contact customer service to see if you qualify for an invite.
This card is for serious travelers who enjoy luxury perks.
There is no joining fee, but the annual fee is ₹25,000 plus taxes.
You might get the annual fee waived if you are a Kotak Solitaire Program member.
If you downgrade, you will still have to pay that yearly fee.
Your eligibility depends on your Total Relationship Value (TRV) with Kotak: you need ₹75 lakhs if you are employed and ₹1 crore if you are self-employed.
To get the best rewards, use the Kotak Unbox platform for travel.
You may find fewer rewards for shopping, dining, and movies compared to other cards.
Exclusive offers in the Visa network at luxury hotels can be a bonus if you visit often.

If you're looking for a card that fits your travel lifestyle, the Kotak Solitaire Credit Card could be the right choice for you!