Kotak Mahindra Solaris Platinum Credit Card Review

If you are looking for a low-cost credit card that can offer your reward points on every transaction, then you should take a look at the Kotak Mahindra Solaris Platinum Credit Card. It is an entry-level credit, specifically crafted to make your every transaction rewarding, it also offers exclusive rewards on every transaction, this card packs so much value that can easily offset the Rs. 500 annual fee. To know more about this Kotak solaris credit card, take a look at the details given below. 

Kotak Credit Card Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs.  
    • Income: Rs. 5 lakh (Annually)
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 5 lakh (Annually)
  • This card is only available in Ahmedabad, Chennai, Kolkata, Chandigarh, Hyderabad, Gurgaon, Bangalore, Hyderabad, Delhi, Mumbai, Pune, Noida, and Navi Mumbai. 
  • A good CIBIL score (750 or more is required to apply for this Kotak solaris credit card.

You can apply for this card from the kotak mahindra credit card online application portal. Once your kotak credit card application is submitted successfully, you will get a unique application id, you can use it to track the status of your application from the kotak application status tracking portal

Documents Required To Apply For Kotak Mahindra Credit Card:

  • 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 (Income Tax Return)
    • Self-employed person
      • Recent income tax return. 
      • Proof of business
      • Recent audited financial report.

 To enhance the security of your card during shipment, all new kotak cards are delivered in an inactive state. The users can activate them manually by generating a new kotak credit card pin. You can find more about the kotak credit card pin generation process from the 100xGain faq page.

Kotak Credit Card Annual Charges:

  • Kotak solaris card joining fee: Rs. 500 + GST
  • Kotak solaris card annual fee: Rs. 500 + GST

Kotak Mahindra Bank Credit Card Benefits:

  • A huge welcome gift to make a wonderful start for you:

On your first successful transaction, this kotak bank credit card offers 25000 kotak reward points as a welcome gift.

  • A powerful kotak credit card rewards scheme:

Category of transaction Reward points for each Rs. 150 transaction
Each and every transaction made using this card 2x Kotak card reward points
Online transaction 5x Kotak credit card reward points

You can use those kotak reward points to pay your card bill, book flight and movie tickets, mobile recharge, etc. You can also use them to get a product from the kotak reward points redemption catalog

  • Get freedom from fuel surcharges:

If you use this card to purchase fuel, you will get up to Rs. 100 waiver per kotak credit card billing cycle on fuel surcharges. You can claim this kotak card offer at any fuel station in India, and the transaction amount should be between Rs. 400 to Rs. 3500.

  • Earn attractive bonus gifts on milestone spending:

Depending on your monthly credit card usage, you can also earn some bonus points too. The details are given below.

Total credit card transaction in a month Bonus reward points
Rs. 2 lakh 4,000 Kotak credit card reward points
Rs. 4 lakh  10,000 Kotak credit card rewards
  • Make your card lifetime free:

On spending Rs. 75,000 with your card within a year, you will get a complete waiver on your next year’s annual fee. So, if you want to turn your card into a kotak lifetime free credit card, then you just have to keep spending Rs. 75,000 per year. You can track the usage of your card from the kotak mahindra bank credit card app.

  • Get exclusive deals on railway surcharges:

You can get up to Rs. 500 waivers on railway surcharges in a year, this kotak credit card offer is applicable both on the tickets booked through www.irctc.co.in and from the booking counters.

  • Lifetime free add-on cards for your family:

You can share your kotak credit card benefits with your loved ones (age 18+), just add them with your card as an add-on member and they will also have the privileges and the benefits of credit cards. You can also set a spending limit for your add-on members. 

  • Complementary lost card liability coverage to stand for you in unfortunate events:

With this Kotak mahindra solaris credit card, you will get coverage of Rs. 1,25,000 against lost or stolen cards. So, if your card ever gets lost or stolen, then you just have to report it by calling the kotak bank credit card customer care no and you will not be liable for anything bad that may happen to your account.

  • Pay more conveniently with the advanced contactless payment facility:

This kotak mahindra credit card comes with an advanced contactless payment facility, it allows you to pay just by placing your card over any POS machine that accepts contactless payments. You can control the contactless kotak bank credit card payment option from your net banking account.

  • Pay your credit card bills using multiple online kotak credit card bill payment:

You can pay your monthly credit card bills from your kotak credit card net banking or by using any credit card payment app like Cred, Google pay, Paytm, Phone pe, etc. But if you don’t have access to those kotak mahindra credit card payment options, then you can also pay your credit card bills from your nearby branch.

  • Use your card anywhere in the world:

This kotak platinum credit card is powered by Visa which makes it acceptable in over 200+ countries in the world. 

Kotak Mahindra Bank Credit Card Charges:

Particulars Payable amount
Kotak credit card cash withdrawal charges Rs. 300 for each Rs. 10,000 withdrawal (Applicable once per withdrawal, also check your available cash limit in a credit card before performing a balance transfer)
Finance Charge The Kotak Mahindra bank credit card interest rate can go up to 3.50% annually
Kotak credit card charges for currency conversion 3.50% against the transacted amount
Kotak credit card charges on add-on cards None

Kotak Mahindra Credit Card Customer Care Contact Details:

  • Call the kotak credit card helpline number: 1800-209-0000 (Toll-free) or 022-6600-6022
  • Write to the kotak credit card mail id: customerfirst@kotak.com 

100xGain Ratings: 


Pros and Cons of Kotak Mahindra Solaris Platinum Credit Card:

Pros  Cons
  • You will get reward points for every transaction you make using this card.
  • There is also an annual fee waiver option on this card
  • You can also earn some bonus reward points on milestone spends. 
  • There are no travel and entertainment-related benefits on this card.
  • This card does not offer anything on dining categories.

Final Opinion:

If you want to earn reward points, then this card will be the best option for you. With reward points on every transaction, bonus reward points on milestone spending, fuel, and railway surcharge waiver, this kotak platinum credit card will be a very good option for you. 

But if you want benefits in the dining, travel, and entertainment categories, then you will be disappointed with this card. In this case, I would suggest you take a look at the 100xGain top 10 credit card pages. Also, if you want to take a look at some similar credit cards, then there are some alternative card options given below.

Alternative Cards: 

  1. Citi bank indianoil credit card (Best for reward points and fuel benefits)
  2. IDBI Bank Aspire Platinum Credit Card (Best for reward points and fuel surcharge waiver)
  3. Kotak silk inspire credit card (Best for reward points and fuel surcharge waiver)
  4. Tata Titanium Card (Best for reward points)


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