{
  "id": "kotak-biz-credit-card",
  "locale": "en",
  "name": "Kotak Biz Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "Complimentary Domestic Airport Lounge access (1 visit per calendar quarter, max 4 visits/year)",
  "rewardsRate": "4X Rewards (4 pts / ₹100) on Software, Cloud, Digital Ads & Office Utilities · 48-Day Interest-Free Credit · 4 Lounges/Year",
  "bestFor": "Small business owners, MSMEs, tech startups, freelance consultants, and corporate procurement",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/biz-credit-card.html",
  "aiVerdict": {
    "score": 3.4,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.25,
  "affiliateId": "kotak-biz-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/biz-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Kotak Biz Commercial Credit Card official schedule of charges and MITC",
    "Kotak Commercial Card Program — 4X business software/ad rewards, extended 48-day credit & domestic lounge terms"
  ],
  "feeWaiver": "Waived on annual business spends exceeding ₹50,000 in previous anniversary year",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹499 + GST (Waived on ₹50k spend)"
    },
    {
      "key": "Business Spends",
      "value": "4X Reward Points on Ads, SaaS & Office Supplies"
    },
    {
      "key": "Credit Cycle",
      "value": "Up to 48 Days Interest-Free Working Capital"
    },
    {
      "key": "Airport Lounges",
      "value": "1 complimentary domestic visit / quarter (4 visits/year)"
    },
    {
      "key": "GST Invoicing",
      "value": "Full Input Tax Credit (ITC) compliant statements"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹500 to ₹3,000"
    }
  ],
  "earnRates": [
    {
      "category": "Digital Ads, SaaS Software & Office Supplies (4X)",
      "rate": "4 Points / ₹100 (1.00% value)",
      "monthlyCap": "Max 2,000 bonus points / month",
      "perLakhSpent": "4,000 Points (~₹1,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1 Point / ₹100 (0.25% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (~₹250 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Digital Ads & Cloud Software",
      "multiplier": "4×",
      "rate": "4 Points / ₹100 (1.00%)",
      "monthlyCap": "2,000 bonus pts / month",
      "dailyCap": "—",
      "note": "4 points per ₹100 on Google Ads, Meta Ads, AWS, Microsoft, and SaaS tools."
    },
    {
      "channel": "Office Supplies & Commercial Utilities",
      "multiplier": "4×",
      "rate": "4 Points / ₹100 (1.00%)",
      "monthlyCap": "2,000 bonus pts / month",
      "dailyCap": "—",
      "note": "4 points per ₹100 on electricity, broadband, and office equipment."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Business Travel Vouchers & Flights",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Waived on ₹50,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.50% per month (42.00% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹500 to ₹3,000 transactions (Max ₹100/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Business Entity",
      "requirement": "Proprietorships, Partnerships, LLPs, Private Limited Companies, and Self-Employed"
    },
    {
      "criteria": "Documentation",
      "requirement": "GST Certificate, Udyam Registration, or ITR of Business"
    },
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}