Dedicated Business Credit Card for Women Entrepreneurs & SMEs with 5X Rewards
Women business owners, boutique proprietors, and independent SME executives seeking targeted business rewards, airport lounges, and working capital.
₹999
One-time upfront₹999
Waived on ₹1 lakh annual spend10 RP per Rs 100 on business travel & office supplies, 1 RP on other retail
On eligible spends8 Domestic + 4 International visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Kotak Solitaire Business Credit Card represents a progressive financial initiative from Kotak Mahindra Bank designed to support women entrepreneurs, independent professionals, and SME leaders. Priced at an accessible ₹999 plus GST, it welcomes cardholders with ₹1,000 in shopping and lifestyle vouchers, immediately neutralizing the initial fee. The annual renewal fee of ₹999 is waived on achieving annual commercial spending of ₹1,00,000. The card's rewards framework reflects the operational and entertainment patterns of modern women leaders: cardholders earn an accelerated 5X reward points (10 reward points per ₹100 spent) on dining, apparel, department stores, and client hospitality, alongside 2 reward points per ₹100 on general business purchases. For domestic business travel, it includes 1 complimentary domestic airport lounge visit per calendar quarter (4 visits per year). Cardholders also receive milestone shopping vouchers worth ₹1,000 upon reaching ₹2,00,000 in annual spending. With commercial GST billing compliance, separate business credit profiling, and dedicated customer assistance, the Kotak Solitaire Business Card is an empowering asset for growing enterprises.
Cardholders enjoy unlimited complimentary domestic airport lounge access under Set A + Special Subset and unlimited international lounge access via Priority Pass.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Business Travel, Office Supplies & Dining | 10 Reward Points per Rs 100 spent on business travel, office supplies, and dining (2% return) | No Cap | Standard terms apply |
| All Other Commercial Spends | 1 Reward Point per Rs 100 spent on all other commercial retail transactions | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Business Travel, Office Supplies & Dining | ₹12,000 | 10 Reward Points per Rs 100 spent on business travel, office supplies, and dining (2% return) | — | None | Calculating... | Under cap |
| All Other Commercial Spends | ₹18,000 | 1 Reward Point per Rs 100 spent on all other commercial retail transactions | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹999
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Spend Rs 1,00,000 in anniversary year to waive the Rs 999 annual renewal fee.
Spend Rs 1,00,000 every 6 months to receive Rs 1,000 shopping/office voucher or 4 PVR movie tickets.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining & Annual Fee: ₹999 + GST; waived on annual business retail spending of ₹1,00,000 or more in the anniversary year. • Welcome Benefit: ₹1,000 shopping/lifestyle voucher credited upon payment of joining fee. • Accelerated Rewards: 5X Reward Points (10 points per ₹100) on dining, apparel, and department store transactions. • Base Rewards: 2 Reward Points per ₹100 on all other eligible commercial and retail spending. • Airport Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter upon meeting quarterly spend criteria. • Milestone Privilege: ₹1,000 brand shopping voucher on achieving cumulative annual spends of ₹2,00,000. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 across petrol pumps. • Commercial Compliance: Detailed itemized commercial billing statements and separate business credit profiling.
Evaluate whether this card's perks and waiver threshold justify its ₹999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Kotak Solitaire Business Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Kotak Mahindra Bank portal with paperless verification.
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