Kotak Solitaire Business Credit Card

Joining feeAnnual feeRenewal fee

₹0

Fee waiver rule

Condition for waiver Annual fees: Spend ₹6,00,000 in 12 months (Not Applicable for Solitaire Program Customers)

Add-on card fee

Not offered: Add On Card Fees Not Applicable

Reward rate

2 reward points on every ₹150 spent; 1 reward point on every ₹150 spent on special categories (utility bills, groceries, insurance premiums, government payments, railway bookings)

Reward exclusions

Not offered: Reward points are not applicable on EMI transactions, international spends, and select categories including rent, wallets, fuel, and education

Reward caps

Rewards earned on special categories are capped at 1000 points per statement cycle; accelerated reward points earned through travel spends on Kotak Unbox Platform are capped at 1,00,000 Reward points per statement cycle.

What one reward unit is worth

1 Reward Point = ₹0.50 when redeemed via the Kotak Unbox platform.

Point expiry

Reward points if not redeemed will expire after 2 years from the date on which they are earned.

Domestic lounge access

1 complimentary domestic lounge visit per quarter; visit validation charge of ₹2 will be applicable at the lounge.

International lounge access

1 complimentary international lounge visit per year, powered by Priority Pass; visit validation charge of $1.00 will be debited and automatically reversed within 7 working days

Priority Pass

International Lounge Access Powered by Priority Pass: 1 complimentary international lounge visit per year; present your Kotak Solitaire Business Credit Card / digital QR code via Priority Pass App.

Fuel surcharge waiver

1% Fuel Surcharge Waiver across all Petrol Pumps in India; applicable on transactions between ₹500 - ₹5,000 (Excluding taxes); maximum Fuel Surcharge Waiver — ₹5,000 in an anniversary year

Lost card liability

Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection): Insured limit (INR) 50,000; Insurance is valid for the Solitaire Business Credit Card (CCCL); Only Primary card holders are covered

Travel insurance

Insured limit (INR): Flight Delay (Deductible — 6 Hours) 10,000; Carrier Cancellation 10,000; Loss of Checked in Baggage 10,000; Delay of Checked in Baggage 10,000; Valuable Documents Cover 10,000; Missing of Connecting International Flight During Transit 10,000; Insurance is valid for the Solitaire Business Credit Card (CCCL); Only Primary card holders are covered

Add-on card eligibility

Not offered: Add-on Card facility is not available on Kotak Commercial Credit Cards.

Balance transfer terms

Not offered: Balance Transfer facility is not available on Kotak Commercial Credit Cards.

Purchase to EMI conversion

Not offered: EMI on Call / Merchant EMI facility is not available on Kotak Commercial Credit Cards.

Forex markup

1.99% on foreign currency transactions.

Cash advance fee

ATM cash withdrawal / cash advance: Not Allowed.

Interest on unpaid balance

1.99% (Annualized @ 23.88%)

Interest-free period

48 days interest-free when you pay in full.

Late payment fee

By amount due as per last statement: <₹100: ₹0; ₹100-₹500: ₹100; ₹501-₹5,000: ₹500; ₹5,001-₹10,000: ₹600; ₹10,001-₹25,000: ₹800; ₹25,001-₹50,000: ₹1,000; >₹50,000: ₹1,200.

Over-limit fee

Over Limit Charges Not Allowed.

Payment return or dishonour fee

2 % of bounce amount subject to minimum of ₹500

Eligibility

Solitaire Business Customer: Self Employed Individual/Business owners/Proprietors/Partners who maintains the Relationship Value of 1 Crore and above with the bank.