Question 1

What is the form factor of the card?

Accepted Answer

Kotak Solitaire Credit Card is a metal card.

Question 2

How many add-on cards can I have?

Accepted Answer

Customer can get up to 3 add-on cards, in addition to one primary Credit Card. Add-on Card holder should be 18 years and above. Add-on card can only be issued to immediate family members of primary cardholder.

Question 3

Will the add-on cards also be metal cards?

Accepted Answer

Yes. All Solitaire Credit Cards, including add-on cards, will be metal.

Question 4

What is the Joining or Annual Fee for the Credit Card?

Accepted Answer

As a privileged member of the Kotak Solitaire Program, there is no Joining or Annual fee for you. However, if you are downgraded from the Solitaire program, an annual fee of ₹25,000 + GST will be charged.

Question 5

What are the charges for forex transactions?

Accepted Answer

There will be no mark-up fees on international transactions. No Air Miles will be accrued on International transactions.

Question 6

What are the charges for ATM cash withdrawal?

Accepted Answer

1% Cash withdrawal charges will be applied. Additionally, there will be no interest/APR charges till the payment due date for cash withdrawals.

Question 7

What are the charges for cash withdrawal in a foreign country?

Accepted Answer

1% Cash withdrawal charges will be applied. Additionally, there will be no interest/APR charges till the payment due date for cash withdrawals.

Question 8

How can I activate my card?

Accepted Answer

To activate your Card: 1. Log in to the Kotak Mobile Banking App 2. Select the Credit Card tab 3. Click on Card Controls 4. Click on Generate PIN 5. Enter your details & submit. You can also activate your credit card by updating card controls and making a transaction.

Question 9

How will I earn Air Miles on the card?

Accepted Answer

Solitaire cardholders will earn: 10 Air Miles for every ₹100 spent on Kotak Unbox Platform across following categories: A. Flight & Flight Add-on Booking B. Hotel & Hotel Add-on Booking. 3 Air Miles for every ₹100 spent on all other Spends (barring exclusions). Note: The transaction amount will be rounded down to the lowest multiple of ₹100. E.g., for a transaction amounting to ₹12,345 Air Miles will only be credited for ₹12,300 (lowest multiple of ₹100).

Question 10

Will I earn Air Miles on International transactions?

Accepted Answer

No, you will not earn Air Miles on International transactions.

Question 11

Will I earn Air Miles on EMI transactions?

Accepted Answer

No, you will not earn Air Miles on EMI transactions.

Question 12

Is there any category where I will not earn Air Miles?

Accepted Answer

Air Miles will be accrued for following categories (exclusions): Utility/Telecom (4812, 4814, 4899, 4900), Insurance (5960, 6300), Education and Government (8211, 8220, 8241, 8244, 8249, 8299, 9211, 9222, 9223, 9399, 9402, 9405, 9950) {except tax payments, 9311}, Rent (6513), Fuel (5172, 5541, 5542, 5552, 5983), Wallet Loading (6540), Gaming & gaming digital (5816, 7994), EMI, Cash Advance, International Transactions

Question 13

Is there any capping on how many Air Miles I can earn on the card?

Accepted Answer

Accelerated Air Miles earned on travel spends done on Kotak Unbox Platform will be capped at 1,00,000 Air Miles per statement cycle. However, post reaching the limit customers would still earn 3 Air Miles per ₹100. E.g.: If a customer spends 14,28,571 on Flight, Hotel, and add-ons via Kotak Unbox in a statement cycle, they will reach the limit of 1L Air Miles in the cycle. Any spends done beyond that will accrue 3 Air Miles for every ₹100 spent (barring exclusions).

Question 14

When will the Air Miles reflect in my account?

Accepted Answer

Air Miles will reflect in your account within 5 days of transaction settlement.

Question 15

How can I redeem Air Miles on the card?

Accepted Answer

The Cardholder may redeem the Air Miles for: 1. Travel Booking on Kotak Unbox 2. Non-travel spends like Vouchers, Gift Cards on Kotak Unbox 3. Transfer to respective Hotel/Airline Partners on Kotak Unbox

Question 16

What is the redemption rate of Air Miles on the Card?

Accepted Answer

Option1: Air Miles Redemption Value for Travel Booking on Kotak Unbox - 1 Air Mile = ₹1 redemption value on Flight, Hotel, and Add-on Bookings on Kotak Unbox. Option 2: Air Miles Redemption Value for Non-Travel Spends like Vouchers, Gift Cards on Kotak Unbox - 1 Air Miles = ₹0.5. Option 3: Air Miles Conversion into respective Hotel/Airline Partners on Kotak Unbox

Question 17

Is there a capping on how many Air Miles I can redeem?

Accepted Answer

For Travel bookings on Kotak Unbox: Minimum 500 Air Miles are required in order to make Flight & Hotel Bookings. Customer will have an option to decide how much he/she wants to pay via Air Miles & Solitaire Credit Card. For Vouchers on Kotak Unbox: Minimum 500 Air Miles are required for purchasing Vouchers. Customer will also have an option to decide how much he/she wants to pay via Air Miles and Credit Card. For Miles transfer to partner Airlines/Hotel: Minimum 2,000 Air Miles required for transferring into respective Hotel and Airline Partners. No max capping on transferring Air Miles to partner Hotel & Airline Partners.

Question 18

Are there any charges on redemption of Air Miles?

Accepted Answer

No, there will be no redemption charges for the Air Miles

Question 19

How many lounge visits do I get?

Accepted Answer

Primary & Add-on cardholders will get Unlimited Domestic & International Lounge Access. Additionally, Primary card holder also gets lounge access for their guest limited to 2 Domestic & 2 International lounges in a year.

Question 20

How to access a lounge?

Accepted Answer

Solitaire cardholder must present their Card at the time of utilizing the lounge, along with a valid boarding pass & govt. ID proof

Question 21

Is there any fuel surcharge waiver on the card?

Accepted Answer

Cardholders get 1% waiver across all petrol pumps in India. The waiver will only be applicable on transactions between ₹400-7,500 and will be capped at ₹10,000 in an anniversary year.

Category	Rate	Cap
Travel Bookings Via Kotak Unbox	10 Air Mile/₹100	—
Voucher Purchase Via Kotak Unbox	10 Air Mile/₹100	—

Category	Rate	Cap
Travel Bookings Via Kotak Unbox	10 Air Mile/₹100	—
Voucher Purchase Via Kotak Unbox	10 Air Mile/₹100	—

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