Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Kotak Mahindra Solaris Platinum Credit Card

    Kotak Mahindra Bank’s Solaris Credit Card is a platinum card powered by MasterCard. Specially designed for online shoppers, the Solaris card provides exciting features and benefits on online spends. With a minimal annual fee, the card offers multiple benefits such as contactless payments, fuel surcharge waiver, joining fee reversal, reward points redemption for air tickets, air miles, movie tickets, milestone rewards and lot more.

    The Solaris Platinum Credit Card can be used for both domestic and international transactions. Continue reading to know about the features and benefits offered by the credit card in detail along with the associated fees and charges, eligibility and the process to apply for Kotak Mahindra Credit Card.

    Features and Benefits of Kotak Mahindra Solaris Platinum Credit Card

    Joining bonus:

    • Get 2,500 reward points as a joining bonus on paying the joining fee in full and by swiping the card within first 60 days of card activation.

    Rewards programme:

    • The rewards programme offered on Solaris Platinum Credit Card provides two reward points on every Rs.150 spent on the card and five times more reward points on all online purchases. However, fuel and railway ticket bookings made on the card are not eligible for reward points. Other transactions such as Mail Order/Telephone Order (MOTO), IVR and standing instructions are not considered as online transaction and hence will not earn accelerated reward points.

    Lost card liability:

    • The credit card comes with an insurance policy that provides coverage against loss or theft of the card. With a coverage worth Rs.1.25 lakh, the insurance protects the cardholder from unauthorised transactions.

    Surcharge waiver:

    • Two types of waivers are being offered on the card – Fuel surcharge waiver and railway surcharge waiver.
    • Fuel surcharge waiver is valid at all petrol stations across India and is valid on transactions worth Rs.400 to Rs.3,500. The waiver amount is capped at Rs.100 per statement.
    • Similarly, railway surcharge levied on train ticket bookings made through IRCTC website and booking counters will be waived if the credit card is used to make the payments. A maximum of Rs.500 of railway surcharge waiver is allowed in a calendar year.

    Add-on credit cards:

    • Primary cardholders can avail one complimentary add-on credit card for any of their immediate family members above 18 years of age. The card will have same benefits as of the primary card.
    • Primary cardholder can set the limit on the add-on card and track spends separately for each add-on card.

    Milestone bonus rewards:

    • Spend Rs.2 lakh in a year and get 4,000 reward points as milestone reward. Spend Rs.4 lakh and get 10,000 reward points. Reward points will be credited upon completing one full year.

    Contactless technology for faster payment:

    • The MasterCard is powered with in-built contactless technology to allow PIN-less transactions at the point of sale (POS) terminals. You can just wave the Solaris Credit Card at the POS terminals for transactions worth up to Rs.2,000.
    • There is no need to dip or swipe the card or enter the PIN. However, the contactless payment works only at the POS terminals enabled for contactless technology. At other terminals, you can either dip or swipe the card based on the technology available.

    Reward points redemption:

    • The reward points accrued on Kotak Solaris Credit Card can be redeemed for cash at merchant outlets or for air tickets or air miles or movie tickets or for mobile recharge. Cardholders need to login to Kotak Mahindra website to redeem the points.

    Kotak Solaris Credit Card Fees and Charges

    Type of Fee Amount
    Joining fee Rs.500
    Annual fee Rs.500 (Fee will be waived if the annual spend is Rs.75,000 in a year)
    Finance charges on outstanding payments 3.5% per month or 42% per annum
    Cash advance fee Rs.300 per withdrawal
    Add-on card fee NIL
    Late payment charges
    • Outstanding less than or equal to Rs.500 – Rs.100
    • Rs.501 to Rs.10,000 – Rs.500
    • More than Rs.10,000 – Rs.700
    Over limit charges Rs.500
    Cheque bounce charges Rs.500
    Foreign currency transaction fee 3.5% per international transaction
    Card re-issuance fee Rs.100

    Eligibility to Apply for Kotak Mahindra Solaris Credit Card

    • Applicant should be an Indian resident
    • Should be in the age group of 21 to 65 years
    • Should be from any one of the cities including, Kolkata, Ahmedabad, Chennai, Bangalore, Gurgaon, Chandigarh, Hyderabad, Delhi, Noida, Mumbai, Pune and Navi Mumbai
    • Income should be above Rs.5 lakh per annum

    How to Apply for Kotak Mahindra Solaris Platinum Credit Card

    Solaris Platinum Credit Card can be applied online through Kotak Mahindra website or offline by submitting the application at any of the nearest Kotak bank branch offices.

    Steps to apply for Solaris Platinum Credit Card online

    Follow the instructions mentioned below to apply for Kotak Solaris Credit Card online.

    • Visit Solaris Platinum Credit Card page on Kotak Mahindra official website at
    • Go through the features and benefits once again
    • If you meet the eligibility criteria set by the bank, click on the ‘Apply Now’ button
    • You will be redirected to the credit card online application page, where you need to fill all the fields with accurate details
    • Once you enter all the details such as name, e-mail ID, mobile number, city, etc., check the terms and conditions box and click ‘Apply Now’ to submit the application.

    Once the bank receives your application, you are likely to receive a call from the respective department. Clear all your doubts over the call while the executive will let you know about the further application process.

    FAQs on Kotak Mahindra Solaris Platinum Credit Card

    1. Is there a minimum or maximum transaction amount for a single swipe on Solaris Credit Card?

      Yes. A card transaction will be processed only when the minimum transaction value is Rs.400. Similarly, the maximum transaction value is Rs.3,500 on a single swipe. For any transaction above the value, you need to swipe the card twice.

    2. What is the interest-free period on Solaris Platinum Credit Card?

      For retail transactions, cardholders can enjoy up to 48 days of interest-free period. However, for cash transactions, there will be no interest-free period and the charges will be levied from the date of cash withdrawal till the dues are paid in full.

    3. What to do if I lose my Kotak Solaris Platinum Credit Card?

      Any loss or theft of the credit card should be reported immediately to Kotak customer care centre at 1860 266 2666. Also, make sure to block your card to prevent misuse.

      In case of a fraudulent transaction on your credit card, you need to register a claim with the bank by calling the same customer care number. Alternatively, you can also send an e-mail through your Kotak internet banking account for registering the claim.

      Once you register the claim, you need to send the customer dispute form along with an FIR copy to the bank through mail or fax. The copies can be faxed to 022 – 66466901 or mailed to or


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