The Card Only Crorepatis Can Get! This Credit Card Gives You Rs 2 Lac In Rewards/Year – Without Paying A Fee

Part of the broader Kotak Solitaire Banking Program, the Kotak Solitaire Credit Card is a premium metal card that is exclusive to invite-only customers and designed specifically for regular and wealthy travelers. Access is available to customers who fulfill the stringent requirements of the Kotak Solitaire Banking Program, which typically requires for a Total Relationship Value (TRV) of Rs 75 Lakhs held in Kotak Mahindra Bank accounts, term deposits, mutual funds, etc.

Recognition & Exclusivity

• Invite-Only Access: Offered only to Solitaire members with Rs 75L-Rs 1Cr+ relationship value.
• No Joining or Renewal Fees: Saves Rs 12,500-Rs 30,000 annually compared to other premium cards.
• True Badge Value: A card that signals achievement and status-without needing to say a word.

Unmatched Credit Access

• Part of Kotak's Rs 8 crore pre-approved credit line.
• Rs 25 Lakh Credit Limit - Solitaire Credit Card offers credit limit up to a generous Rs 25 lakh, providing unmatched purchasing power and liquidity for affluent customers.

Liquidity & Service Features

• No interest on cash withdrawals until the payment due date—unique among premium cards.
• Free card replacement, priority service, and seamless integration with Solitaire banking.

Superior Rewards Structure

1. 10% Return on Travel Spends - Earn 10 Air Miles per Rs 100 on travel bookings via Kotak Unbox, translating to a 10% effective return with Rs 1 per Air Mile redemption value.

A. With the Kotak Solitaire Credit Card, users earn 10 Air Miles per Rs 100 spent on travel bookings made via Kotak Unbox. This includes: Flight bookings Hotel bookings Flight/Hotel add-ons

B. Each Air Mile carries a Rs 1 redemption value, translating to a 10% effective return on travel spends. Competing cards offer higher reward rates on travel portals but are subject to very lower capping on earning reward points. Kotak Solitaire offers straightforward earning without capping, high redemption value, and no redemption fee, making it ideal for frequent travellers.

2. 3% Return on All Other Spends - High base earn rate across most categories (excluding Rent, fuel, wallet loads, etc.), ensuring consistent rewards. The Kotak Solitaire Credit Card offers a base earn rate of 3 Air Miles per Rs 100 spent across most everyday categories. This translates to a 3% effective return, given the Rs 1 redemption value per Air Mile.

3. Rs 1 Lakh Reward Cap on Travel Spends per billing Cycle - Generous cap to avoid misuse compared to Rs 15k-Rs 18k on competitors, allowing high spenders to maximize returns. The Kotak Solitaire Credit Card offers a generous cap of Rs 1,00,000 Air Miles per statement cycle on travel spends via Kotak Unbox. Post reaching this cap, customers can still earn 3 Air Miles for every Rs 100 spent.

This allows high-spending users to continue earning elevated rewards on travel spends up to Rs 14.28 lakh per cycle, making it ideal for frequent flyers and luxury travellers.

4. Best for High Spenders - Reward rate remains high even beyond Rs 14.28L monthly spends, unlike others that drop sharply after Rs 2.25L-Rs 2.57L. Unlike other premium cards that reduce reward rates sharply after hitting caps at around Rs 2.25L-Rs 2.57L monthly travel spends, Kotak Solitaire maintains a consistent reward rate up to Rs 14.28L per cycle.

This makes it especially attractive for: Business travellers, High-net-worth individuals and Families planning international trips. Even beyond the cap, users continue to earn base rewards at 3%, ensuring no dead zones in earning potential.

5. Zero Forex Mark-up - No charges on international transactions, saving 2% - 3.5% + GST compared to other premium cards. The Kotak Solitaire Credit Card offers Zero forex mark-up and Zero DCC fees on international transactions. This means:

• No additional charges when spending abroad
• No hidden fees on currency conversion.
• Full value retained on international purchases.

Why It Matters:

Saves 2% - 3.5% + GST on every international transaction
Ideal for frequent travellers, online shoppers, and global business users Combined with unlimited lounge access, it enhances the card's global utility

6. Unlimited Global Lounge Access - Complimentary access for primary, add-on cardholders, and guests, enhancing travel comfort. The Kotak Solitaire Credit Card offers unlimited complimentary lounge access across domestic and international airports for: Primary cardholders, Add-on cardholders - Up to 3 family members and guests (up to 4 guest entries annually: 2 domestic and 2 International).

Key Benefits:

• 2 free domestic lounge accesses and 2 international lounge accesses for guests annually.
• Lounge access is available via Priority Pass or Dream folks, depending on location.

Why It's Valuable:

• Enhances travel comfort for families and frequent flyers.
• Most competing cards do not offer guest access or limit it to primary cardholders.
• Ideal for business travellers and group travel scenarios.

7. Luxury Hotel Privileges

• Enjoy 3rd night free or 50% off on 2nd night at ITC Hotels, Elivaas Villas, Alaya Stays, adding value to leisure travel.
• These offers are available through Visa's curated travel privileges and can be accessed via the respective hotel booking portals.

Why It's Valuable:

• Adds real monetary value to leisure travel.
• Direct discounts a step ahead of loyalty points or memberships, leading to direct monetary savings on leisure travel.
• Ideal for weekend getaways, family vacations, and luxury retreats.

8. No Redemption Fee - Unlike competitors charging Rs 99 - Rs 199 per redemption, Kotak Solitaire offers free redemption, maximizing net reward value.

Kotak Solitaire Credit Card does not charge any fee when you redeem your Air Miles.

9. Fuel Surcharge Waiver

• 1% waiver on fuel spends up to Rs 10L annually, reducing effective fuel costs.
• The Kotak Solitaire Credit Card offers a 1% fuel surcharge waiver on eligible fuel transactions ranging from Rs 400 to Rs 7,500.
• This waiver is applicable up to a maximum of Rs 10,000 per anniversary year, helping reduce the effective cost of fuel for cardholders.

Why It's Valuable:

• Fuel is a frequent expense, and surcharge waivers help offset transaction fees.
• The Rs 10,000 annual cap is among the highest in the premium card segment.
• While no Air Miles are earned on fuel spends, the waiver ensures cost efficiency.

10. 1 Air Mile = Rs 1 Value - On travel bookings via Kotak Unbox, with minimum redemption of 500 miles and up to 80% of booking value payable via air miles. When you redeem your Air Miles for below categories via Kotak Unbox, each Air Mile is worth Rs 1:

• Flight bookings
• Hotel bookings
• Flight/Hotel add-ons

Key Details:

• Minimum redemption: You need at least 500 Air Miles to make a booking.
• Redemption flexibility: You can choose how much of the booking amount to pay using Air Miles vs. the card.
• Maximum redemption: You can use Air Miles for up to 80% of the booking value.
• No redemption fee: Unlike other cards, there's no fee for redeeming Air Miles.

11. No Upper Capping on Air Miles Redemption - No limit on maximum Air Miles usage, allowing full utilization for travel bookings. The Kotak Solitaire Credit Card allows users to redeem Air Miles without any upper limit, ensuring maximum flexibility and value for travel bookings.

Key Redemption Features

• No cap on how many Air Miles can be redeemed per transaction or per year.
• Why This Is Valuable:
• Competing cards often impose redemption caps (e.g., Rs 50,000-Rs 1,50,000 per cycle)
• Kotak Solitaire enables full utilization of earned rewards, especially beneficial for high spenders and frequent travelers
• Combined with no redemption fee, it offers one of the most generous and transparent redemption models in the premium card segment.

12. Transfer of Air Miles to Partner loyalty programs: Convert Air Miles earned on Solitaire credit card to your preferred Hotel/Airline loyalty programme. The bank have tied up with 10+ Hotels and Airlines where our customers can transfer Solitaire Air Miles in their loyalty program.

13. Security & Service

Just 1% Cash withdrawal fees and No Interest on Cash Withdrawals until Due Date - Unique among premium cards, offering liquidity without immediate cost.

Cash Withdrawal Benefit Kotak Solitaire Credit Card offers a unique advantage among premium cards by charging just 1% fee on cash withdrawal and not charging any interest until the payment due date.

Kotak Solitaire is unique in offering liquidity without immediate cost, making it ideal for short-term cash needs without the burden of instant interest accrual.

Estimated Value Per Billing Cycle

A Solitaire Credit Card user can save up to Rs 2 lakh per year, for spends of Rs 20L. This includes:

• Travel Rewards (Rs 8L spend @ 10%) - Rs 80,000
• Other Spend Rewards (Rs 5L @ 3%) - Rs 15,000
• Forex Savings (Rs 4L @ 3.5%) - Rs 14,000
• Lounge access for Primary and add on cardholders - Rs 57,600
• Lounge Access for Guests (4 entries) - Rs 9,400
• Hotel Privileges (3rd night free / 50% off) - Rs 30,000.
• Direct discounts-not just loyalty points.
• Fuel Surcharge Waiver - Rs 750
• Total Estimated Value per Billing Cycle - Rs 2,06,750

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