Compare Kotak Solitaire Credit Card and Times Black ICICI Bank Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Affluent Kotak customers already eligible for Solitaire who travel internationally and can use unlimited lounge access and zero forex markup.
Ultra-high-spend premium travelers who can use unlimited lounges, luxury stays, travel services and high-end lifestyle benefits enough to offset a ₹20,000 annual fee.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/kotak-solitaire-credit-card-vs-times-black-icici-bank-credit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Source recheck advised
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Recorded product state: Invite Only. Verify availability before proceeding.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | Kotak Solitaire Credit Card | Times Black ICICI Bank Credit Card |
|---|---|---|
| Joining fee | Invite-only relationship card; confirm current Solitaire onboarding terms | ₹20,000 + GST |
| Annual fee | Reviewed Kotak Solitaire launch states no annual fee for eligible Solitaire customers | ₹20,000 + GST |
| Fee waiver | Relationship-linked rather than spend-waiver-led; continued fee treatment depends on Solitaire eligibility | Annual fee waived from the second year on minimum previous-year spends of ₹25 lakh |
| Rewards | 10 Air Miles per ₹100 on eligible travel bookings through Kotak Unbox on the reviewed issuer listing | 2% ICICI Bank Reward Points on eligible domestic spends and 2.5% on eligible international spends on the reviewed issuer page |
| Lounge | Unlimited global airport lounge access for primary and add-on card members on the reviewed issuer listing | Unlimited complimentary domestic and international airport lounge access; Priority Pass membership is included for eligible primary/Plus cardholders |
| Forex markup | 0% foreign-currency transaction markup under the reviewed Kotak MITC | 1.49% foreign-currency markup |
| Network | See current issued network and Solitaire relationship terms | Visa |
| Eligibility / approval | Invite-only for eligible Kotak Solitaire customers; credit issuance and limits remain at the bank's discretion | Reviewed issuer page lists Indian citizens age 21+ with indicative salaried monthly income of ₹2 lakh or self-employed annual income of ₹24 lakh; approval remains with ICICI Bank |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 4 attached first-party sources
Reviewed September 11, 2026 · 4 attached first-party sources