Tailored Lifestyle & Shopping Rewards for Women with Movie & Lounge Perks
Women professionals and avid shoppers looking for accelerated rewards on fashion, jewelry, and groceries, combined with domestic lounge visits and movie milestones.
Free
One-time upfront₹999
Waived on ₹50,000 annual spend10 RP per Rs 100 on shopping/dining, 1 RP per Rs 100 on other retail
On eligible spends8 Domestic + 4 International visits/year
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Kotak Solitaire Credit Card is designed as a focused premium lifestyle card catering to modern women consumers, fashion connoisseurs, and frequent shoppers. Priced with an accessible ₹999 annual renewal fee (regularly issued with zero joining fee), the card focuses its rewards horsepower on high-frequency retail categories: cardholders earn 10 reward points per ₹100 spent on apparel, jewelry, departmental stores, dining, and grocery purchases—yielding an impressive 2.50% reward value (1 Reward Point = ₹0.25). Where the card distinguishes itself from entry-level competitor cards is its dual combination of airport lounge privileges and periodic milestone gifts. Cardholders receive 2 complimentary domestic airport lounge visits per calendar quarter (8 visits annually), ensuring comfortable travel across all major Indian metro airports. In addition, spending ₹75,000 every 6 months triggers a milestone reward of either 2 complimentary PVR movie tickets or a ₹1,000 apparel shopping voucher, delivering up to ₹2,000 in annual bonus milestone value. The primary trade-off is the modest base reward rate of 2 points per ₹100 (0.50% return) on non-accelerated transactions such as electronics and online services. Spends on fuel and railway bookings are excluded from rewards accrual, and foreign currency transactions incur the standard 3.5% markup fee. Nevertheless, with an exceptionally low annual fee waiver threshold of just ₹50,000 per year, Kotak Solitaire represents an ultra-low-maintenance, high-reward companion for apparel shopping, family dining, and domestic travel.
10 Air Miles/₹100 Spent on Kotak Unbox Platform. 3 Air Miles/₹100 on Other Spends
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Apparel, Dining, Departmental Stores & Jewelry | 10 Reward Points per Rs 100 spent on dining, apparel, and department stores (2% value) | No Cap | Standard terms apply |
| All Other Retail Spends | 1 Reward Point per Rs 100 spent on all other eligible 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 |
|---|---|---|---|---|---|---|
| Apparel, Dining, Departmental Stores & Jewelry | ₹12,000 | 10 Reward Points per Rs 100 spent on dining, apparel, and department stores (2% value) | — | None | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 1 Reward Point per Rs 100 spent on all other eligible 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 a year to waive the Rs 999 annual renewal fee.
Spend Rs 1,00,000 every 6 months to receive Rs 1,000 shopping 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 Fee: ₹0 (Regularly issued with zero joining fee or ₹999 + GST promotional). • Annual Renewal Fee: ₹999 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual fee waived on achieving cumulative retail spends of ₹50,000 or more in the previous anniversary year. • Accelerated Rewards: 10 reward points per ₹100 spent on apparel, jewelry, departmental stores, dining, and grocery purchases (2.50% reward rate; 1 point = ₹0.25). • Base Rewards: 2 reward points per ₹100 spent on all other eligible retail transactions (0.50% reward rate). • Milestone Benefits: Spend ₹75,000 every 6 months to claim either 2 complimentary PVR movie tickets or a ₹1,000 shopping voucher (up to ₹2,000 annual milestone value). • Lounge Access: 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per calendar year). • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (up to ₹3,500 waiver per year). • Foreign Currency Markup: 3.50% + GST on international transactions. • Finance Charges (APR): 3.5% per month (42.0% annualized).
Evaluate whether this card's perks and waiver threshold justify its ₹999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Kotak Solitaire 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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