ING Vysya Bank Solaris Credit Card
CancelThe cheap twin — same points, same lounges, no golf.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: The bank advertised the Solaris's joining benefits as worth ₹500 but never published what they were
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until ING Vysya Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #986
Why #986 The Galaxia's cheaper twin — same four points per ₹100, same lounge access, ₹500 to join instead of ₹1,500 and no golf. The point's value was never published on either. Carried for the record; ING Vysya Bank was merged into Kotak Mahindra Bank on 1 April 2015.
The take
Solaris was the entry rung of ING Vysya Bank's own credit-card shelf, and the Credit Card T&Cs place it precisely: "Solaris (Platinum)", against "Galaxia (world)". It cost ₹500 once, and then nothing — Nil annual, Nil renewal, Nil add-on, printed as three separate rows in the bank's own MITC beside a joining line that is not nil. The bank valued the joining benefits at ₹500, exactly what it charged, and never said what they were. Everything the Galaxia earned, Solaris earned: four reward points per ₹100 on all spend, six per ₹100 on categories the cardholder chose, redeemable against flights, hotels, mobile and DTH recharge, movies, bus tickets and merchandise. And it kept the benefit that actually matters to a traveller — complimentary access to airport lounges at select domestic and international terminals in India, through Mastercard's programme. What it did not get was golf: the eleven-course access with its two complimentary rounds sat on the Galaxia page and nowhere on this one. The rest was the shared card: fuel surcharge waived at every pump in India between ₹400 and ₹2,500 of spend a cycle, EMI on anything over ₹5,000, revolving credit at 2.95% a month, 3.50% on foreign currency, and no free insurance of any kind — the MITC says so outright. If you failed the income screen you could still have it against a term deposit of as little as ₹25,000, which is a quarter of what the Galaxia asked for the same route. It lasted less than two years. ING Vysya launched its own cards in 2013 after withdrawing a Citibank-issued "ING Credit Card" on 15 July that year; on 1 April 2015 the bank itself disappeared into Kotak Mahindra Bank.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
ING Vysya Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- ₹500 once and then nothing — the MITC prints Nil against annual fee, renewal fee and add-on card fee
- Complimentary airport lounge access at select domestic and international terminals in India, through Mastercard's programme
- Four reward points per ₹100 on all spends, six per ₹100 on categories you selected yourself
- Points redeemable against flights, hotels, mobile and DTH recharge, movies, bus tickets and merchandise
- Fuel surcharge of 2.50% or ₹10 waived at every fuel station in India between ₹400 and ₹2,500 of cumulative spend a billing cycle
- Purchases above ₹5,000 convertible to 3, 6, 9 or 12-month EMI
- Obtainable against a term deposit of as little as ₹25,000 if you could not clear the income screen
Watch out
- WITHDRAWN — ING Vysya Bank was merged into Kotak Mahindra Bank on 1 April 2015 and the Solaris was not carried forward under its own name
- THE POINT HAS NO PUBLISHED VALUE: the T&Cs reserve the conversion rate to the bank and say it may change without notice, and no ING document ever printed one
- No golf — the eleven-course Mastercard access was a Galaxia benefit and appears nowhere on the Solaris page
- Cancel the card and every accumulated point was purged; go overdue and they were purged 30 days later
- The ₹500 of joining benefits was never itemised anywhere the archive holds
- No free insurance of any kind — the MITC states outright that the bank offers none
- Foreign currency transactions carried a 3.50% markup, the Indian norm and no better
- Revolving credit ran 2.95% a month, which the bank itself annualises at 35.40%
- Late payment was a flat ₹500 and a returned payment ₹350; over-limit was 2.50% with a ₹700 floor
- Sourced in twenty cities only, and only to customers who already banked with ING Vysya
What these points actually fly
ING Vysya Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. ING Vysya Bank ceased to exist as a licensed bank on 1 April 2015, when it was merged into Kotak Mahindra Bank; the Solaris was not reopened to new applicants under its own name.
ING Vysya Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against ING Vysya Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 5 of them, each with the day we read it
- official ING Vysya Bank's Solaris Credit Card product page (archived 21-Mar-2015) — the reward rate, the lounge benefit, the fuel-surcharge waiver and the city-capped eligibility
- official ING Vysya Bank's credit-card Most Important Terms & Conditions (archived 13-May-2014) — the two-column fee table that prints ₹500 joining for Solaris against Nil annual, Nil renewal and Nil add-on
- official ING Vysya Bank's Credit Card Terms & Conditions (archived 13-May-2014) — Solaris named as the Platinum tier, and the clause that reserves the value of a point to the bank
- official ING Vysya Bank's Credit Card against Fixed Deposit page (archived 25-Mar-2015) — the secured route into Solaris at a ₹25,000 term deposit
- official ING Vysya Bank's 2013 cardholder mailer — the bank withdrawing the Citibank-issued ING card and announcing its own