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Kotak Solitaire Credit Card
LIFETIME FREE Visa ★ Metal Edition 📡 Contactless NFC

Kotak Solitaire Credit Card

Joining FeeFREE
Annual FeeFREE
Forex Markup 1.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Ultra-high-net-worth individuals and Kotak Privy League clients seeking unlimited global lounge visits with guest passes, 20% fine dining discounts, metal card prestige, and 23.88% low APR.

Who Should Avoid

Non-Privy League customers or individuals unable to meet private banking balance criteria.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Complimentary 1-year Zomato Gold Membership + luxury welcome voucher pack upon Privy League onboarding

Unlimited Global Lounge Access + 4 Guest Visits

Unlimited complimentary domestic airport lounge access + unlimited international lounge visits with 4 guest visits per year via Priority Pass.

Free Zomato Gold & 20% Off Fine Dining

Complimentary 1-year Zomato Gold Membership + 20% off on dining up to ₹5,000 via District by Zomato.

Lifetime Free Super-Premium Card

Unconditionally Lifetime Free super-premium credit card exclusively for Kotak Privy League clients.

💰 Reward Structure & Point Valuation

1 Solitaire Points = ₹0.5
Standard Base Earning
2 Solitaire Points per ₹100 spent on regular domestic retail (1.0% return; 1 Point = ₹0.50)
Accelerated / Partner Rate
5 Solitaire Points per ₹100 (2.50% return; 1 Point = ₹0.50) on international spends, luxury apparel, and departmental stores; 10,000 bonus Solitaire Points on spending ₹2L every 6 months; 20% off on District Dining by Zomato (up to ₹5,000/tx twice a month)
Points Validity:Never Expire
Redemption Fee: ₹0 (Free)
Redemption Modes: 1:1 Frequent Flyer Air Mile Transfers (Air India, Singapore Airlines, Qatar Airways), Direct Statement Cash Credit (1 Point = ₹0.50), Luxury Brand Vouchers via Kotak Rewards
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Rent Payments Government Transactions Utility Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge VisitsUnlimited complimentary domestic airport lounge access for primary and add-on cardholders
🌐
International Lounge VisitsUnlimited complimentary international airport lounge access worldwide via Priority Pass for primary cardholder + 4 complimentary guest visits per year
⚠️

Spend Criteria: None (Unconditional VIP global access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)
Unconditionally Lifetime Free (LTF) credit card exclusively for Kotak Privy League private banking clients
UPI Payments Support✗ Not Supported
UPI not supported on Visa metal network
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (Capped at ₹300/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹500,000
Min. Credit Score750 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):1.99% per month (23.88% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,200
Official Bank Portal Application

Get the Kotak Solitaire Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

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Frequently Asked Questions

Yes, the Kotak Solitaire Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.