Best Credit Card for International Travel

All Benefits

  • Earn Air Miles on every spend (10 Air Miles/₹100 on flights & hotels via Kotak Unbox3 Air Miles/₹100 elsewhere)
  • Unlimited domestic & international airport lounge access
  • Zero forex mark-up
  • Zomato Gold & District dining privileges
  • Visa luxury-stay privileges and a dedicated Solitaire Concierge

Fees

Joining Fee Not Applicable
Free
Lifetime Free
Annual Fee Not Applicable
Free
Lifetime Free

Eligibility

Age
21-60 years
Salary
₹5L / Month
Credit Score
750+

Bank Fee Structure

Forex Markup 0% forex mark-up is charged on transactions made in currencies other than INR. This card offers zero forex mark-up; it applies to international POS payments and online purchases charged in foreign currency Examples (0%): ₹100 → ₹0 ₹1,000 → ₹0 ₹10,000 → ₹0 ₹1,00,000 → ₹0
0%
Finance Charges (APR) Finance charges of 3.50% per month (42% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.5%
ATM Withdrawal 1% of the withdrawn amount is charged on cash advances using the credit card (no minimum
1%
Reward Redemption No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment No rent payment fee is charged on this card
Not Applicable
Cheque Payment A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return
2%
Cash Payment Cash payment at branches is waived on the Kotak Solitaire Credit Card
₹0

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹101 - ₹500₹100
₹501 - ₹1000₹500
₹1001 - ₹5000₹600
₹5001 - ₹10000₹750
₹10001 - ₹25000₹900
₹25001 - ₹50000₹1100
Above ₹50000₹1300

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

Reward Exclusions

Utility BillsTelecomInsuranceEducationGovernmentRentFuelWallet LoadingGamingEMI TransactionsCash Withdrawal/AdvanceInternational Transactions

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
  • A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards

Full charges and terms: Bank MITC / Terms