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Kotak Solaris Platinum Credit Card – Review, Details, Offers, Benefits, Fees, How To Apply, Eligibility, Status, Limit

Kotak Bank – Solaris Platinum credit card offers additional reward points on online spends.

Kotak Solaris Platinum Credit Card Benefits

  • Joining Benefits :  N/A
  • Benefits
    • Additional reward points on online purchases (Earn 5X reward points on every Rs 150 spend).
    • Earn 2X reward points for every Rs.150 on other spends
  • Lounge Access (Domestic): No Benefit on this card
  • Movie Tickets: N/A
  • Restaurant Offers:  N/A
  • Railway Surcharge waiver:
    • Maximum railway surcharge waiver allowed in a calendar year is Rs. 500/-
  • Fuel:
    • Enjoy fuel surcharge waiver across all petrol pumps in India. Fuel surcharge to be waived only for transactions between Rs.400 and Rs.3500, up to a maximum of Rs.100 in a statement cycle.

Rewards Collection

  • Earn 5X reward points on every Rs 150 spend on online purchases.
  • Earn 2X reward points for every Rs.150 on other spends
  • Milestone: 
    • Spend Rs. 2 lakh annually – get 4000 reward points 
    • Spend Rs. 4 lakh annually – get 10000 reward points 

Rewards Redemption

  • Reward points can be used for a host of redemption options like Airtickets, Airmiles, Movie Tickets, Mobile Recharge / Branded Merchandise
  • 1 reward point is approx worth Rs 0.20
    Redemption Rs / rp
    Cash Reward Rs 75 / 1000 rp 0.075
    Movies 1 Bookmyshow / 2000rp 0.125
    Flights / holidays / mobile/ fashion
    Easyreward / easy points
    100 EP / 500rp 0.2

Kotak Solaris Platinum Credit Card Fees

  • Joining fees: Rs 500 (2500 joining bonus reward points on full fee realization and 1st swipe within 60 days of cards setup)
  • Annual Fee: Rs 500 (waived on retail spend of Rs 75000 in a year)


Kotak Solaris Platinum Benefits Example

Spend Offer Monthly Spend Annual Spend Benefit  (Annual) Reward %
Online Spend 5 rp / Rs 150 5000 60000 400 0.7%
Offline Spend 2 rp/ Rs 150 10500 126000 336 0.3%
Fuel 1000 12000 120 1.0%
Train Tickets 500 6000 108 1.8%
Milestone Benefit 4000 rp / Rs 2 lakh 800
TOTAL Saving 17000 204000 1764
Annual Fees
Net Saving 1764
Reward  / Cashback % 0.86%

Condition: To get full benefit, the minimum spend required is Rs 200000 per annum


How to Apply – You can apply online at Kotak Bank website 

  • Primary credit cardholder should be in the age bracket of 21 – 65 years. Add-on credit cardholder should be 18 years or above
  • Card is available only in the following locations – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
  • Income – Rs. 5 lac and above per annum


This credit card offers approx 0.7% reward on online spend and low annual spend requirement for fees waiver. Considering milestone benefit, you can get less than 1% reward worth.



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