Kotak Solitaire Credit Card: rewards, caps and exclusions
The Kotak Solitaire Credit Card pays about 5% on Kotak Unbox: Flight & Flight Add-ons Booking, Hotel & Hotel Add-ons Booking, on the first ₹14,20,000 of spend a cycle, and 1.5% on everything else. Below is every rate, cap and exclusion in Kotak Mahindra Bank's published terms, as we last checked them on 9 October 2026.
What it earns
≈ marks a rate paid in miles, valued at ₹0.5 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Rent
- Wallet loads
- Fuel
- Utility bills
- Telecom bills
- Insurance premiums
- Education fees
- Government payments
- Gaming
- International spends
- EMI conversions
- Cash withdrawals and fees
- Railway bookings (since 1 June 2025)
- Tolls (since 1 June 2025)
Fees
- Annual fee: ₹25,000, plus 18% GST
- Joining fee: none
Where this comes from
Transcribed from Kotak Mahindra Bank's own documents and checked against them on 9 October 2026:
- product page incl. FAQs, kotak.bank.in
- detailed T&C dated 07 Apr 2026, images.kotak.bank.in (PDF)
- MCC exclusion list linked from the T&C, kotak.bank.in (PDF)
- KFS, kotak.bank.in (PDF)
- MITC, kotak.bank.in (PDF)
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Kotak Mahindra Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
Hold this card?
We know this card's rules, but we don't read Kotak Mahindra Bank's mail yet, so the audit can't check your swipes on it. Which banks we read