SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for luxury, travel, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 0% forex markup, and accelerated rewards on travel bookings via kotak unbox.
Where value may drop
Fuel, rent, and insurance don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many Air Miles you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Air Miles/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 6,000 |
| Other spends | Rs 8,000 | 2,880 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Travel Bookings Via Kotak Unbox
10 Air Miles / ₹100 spent on travel bookings via Kotak Unbox
Best for airport lounge access
Unlimited complimentary lounge visits a year across domestic and international.
Best for international spends
A low 0% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns Air Miles you can put toward flights, hotels, or transfer partners.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Travel bookings via Kotak Unbox | 10 Air Miles / ₹100 spent on travel bookings via Kotak Unbox | 1,00,000 Air Miles |
| Other eligible retail spends | 3 Air Miles / ₹100 spent | - |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Maharaja Club | 1:1 |
| Etihad Airways | Etihad Guest | 2:1 |
| Qatar Airways | Privilege Club | 2:1 |
| British Airways | Executive Club | 2:1 |
| Air Canada | Aeroplan | 2:1 |
| Cathay Pacific | Asia Miles | 2:1 |
| Flying Blue | Flying Blue | 2:1 |
| United Airlines | MileagePlus | 2:1 |
| Hotel group | Programme | Ratio |
|---|---|---|
| Marriott Bonvoy | Marriott Bonvoy | 3:1 |
| Accor | ALL (Accor Live Limitless) | 2:1 |
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Brand e-Vouchers | Brand e-vouchers via Kotak Unbox | 1 Air Mile = Rs 0.50 |
| Travel bookings | Flight & hotel bookings via Kotak Unbox | 1 Air Mile = Rs 1.0 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Unlimited domestic lounge access for primary and add-on cardholders.
- Guest access: 2 complimentary domestic lounge visits per primary cardholder per year.
- Unlimited international lounge access via Priority Pass for primary and add-on cardholders.
- Guest access: 2 complimentary international lounge visits per primary cardholder per year.
Exclusions
Categories that earn no rewards on this card.
- Rent payments
- E-wallet loading transactions
- Fuel transactions
- Utility and telecom spends
- Insurance premiums
- Education spends
- Government spends (except tax payments)
- Digital gaming transactions
- International spends
- Cash advance / withdrawals
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Crafted in metal for primary and add-on cardholders
- Kotak Solitaire Table: 20% off up to ₹5,000 twice a month on bookings via District by Zomato
- Complimentary Zomato Gold membership for a full year at ₹1
- 1% fuel surcharge waiver on transactions between ₹400 and ₹7,500 (max ₹10,000 per anniversary year)
Additional details
- Air Miles can be redeemed for flight and hotel bookings via Kotak Unbox, or for gift vouchers and statement credit.
- A minimum of 500 Air Miles is required for Kotak Unbox redemptions and vouchers.
- A minimum of 2,00,000 Air Miles is not required; a minimum of 2,000 Air Miles is required for partner miles/points transfers.
- Air Miles are valid for 3 years from the date of credit.
Eligibility
Check this before you apply.
Salaried
- Invite-only for Kotak Solitaire Program customers
- Age: 21 to 60 years
Self-employed
- Invite-only for Kotak Solitaire Program customers
- Age: 21 to 60 years
Compare before you decide
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