Kotak Mahindra Solaris Platinum Credit Card Review

Kotak Mahindra has introduced a new credit card for those customers who want to earn reward points from their card. This is one of the best credit cards for earning reward points, you will also get several redemption options with this card. apart from reward points, this card offers some other benefits too like annual fee waiver, fuel, and railway surcharge waiver, lost card liability, etc. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs.  
    • Income: ₹5 lakh (Annually)
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹5 lakh (Annually)
  • This card only available in Ahmedabad, Chennai, Kolkata, Chandigarh, Hyderabad, Gurgaon, Bangalore, Hyderabad, Delhi, Mumbai, Pune, Noida, and Navi Mumbai. 
  • Good relation with the bank. 
  • Good CIBIL score (750 or more). 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip (3 months)
      • ITR
    • Self-employed person
      • Recent income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹500 + GST
  • Annual Fee: ₹500 + GST


  • Welcome benefit:

With the issuance of the card, you will get a welcome gift of 25000 reward points. You will get the reward points with the first transaction of the card. 

  • Reward benefit:

With Kotak Mahindra Solaris Platinum Credit Card, you can earn benefit from your spending:

You will get 2X reward points for each ₹150 transactions with this card. You will also get a 5X reward point for the same on online transactions. 

You can also redeem those reward points very easily, you can either use them to pay or you can use them to book flight and movie tickets, mobile recharge, etc.  

  • Fuel surcharge waiver:

With your Kotak Mahindra Solaris Platinum Credit Card, you can get up to ₹100 waivers on fuel surcharges, this offer is applicable at any fuel station in India. The transaction amount should be between ₹400 to ₹3500. You can get a Maximum waiver of ₹100 in a month.  

  • Milestone benefit:

You can earn some additional reward points too if you can spend ₹2 lakh with your card within a year, you will get 4,000 reward points. Also if you can spend ₹4 lakh you will get 10,000 reward points. 

  • Annual fee waiver:

You can get a 100% waiver on your annual fee, just spend ₹75,000 or more in a year with your card and the annual fee for the next year will be waived off.  

  • Railway surcharge waiver:

You can get up to ₹500 waivers on railway surcharges in a year, this offer is applicable on the tickets booked through www.irctc.co.in and on payments at booking counters. 

  • Add-on facility:

You can share the benefits of your credit card with your loved ones, just add them with your card as an add-on member and they can enjoy the benefits of a credit card. You can also set a spending limit for your add-on members. The minimum age of the add-on member should be 18 yrs.  

  • Lost card liability:

With Kotak Mahindra Solaris Platinum Credit Card, you will get a coverage of ₹1,25,000 against lost or stolen cards. So just report your lost card as soon as you notice it, and you may enjoy zero liability. 

  • Contactless payment:

This card supports contactless payments it allows you to pay with your card with just a wave at any POS terminals. It also reduces the chances of lost and stolen cards. 

  • Worldwide acceptance:

This card is accepted in most of the countries in the world, you can also use this card to make payment at any foreign e-commerce sites. 


  • Cash Withdrawal Charge: ₹300. 
  • Finance Charge: 3.50% annually. 
  • Foreign currency transaction: 3.50% against the transacted amount. 

Contact Details:

Call: 1800-266-2666

Mail: [email protected]

Dispute Resolution Process:

If you notice some unauthorized transaction or any miscalculation in your card statement, or if your card is lost or stolen, you should act fast. In such situations, you may follow these steps.

  • First of all, call customer service and tell them your problem, they will help you to solve it. If your card is lost or stolen you should ask them to block your card immediately.
  • If this does not work, then you can mail the Kotak Mahindra Service assurance center. You can directly contact them from Kotak Mahindra’s grievance redressal page.  
  • If you do not get any response within 1 to 7 days, you can either submit a Grievances or you can mail the principal nodal officer at  [email protected] 

If you are still not satisfied with the service, you can go to the Banking Ombudsman of your locality. You can find the contact details from your branch or the Reserve Bank of India’s official website.

100xGain Ratings:


Final Opinion:

This card is best for earning reward points only. It offers 2X reward points for offline spends and 5X reward points for every online spend, you can also earn some bonus reward points. These points can also be used to make payments, ticket booking, or mobile recharge. This card also offers a waiver on fuel surcharges. 

So, as a reward credit card, this can be a very good option, but if you are looking for Cash-Back, concierge service, or low/zero annual fee credit card, you will be disappointed.  

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