{
  "id": "kotak-delight-credit-card",
  "locale": "en",
  "name": "Kotak Delight Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹1,999 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "10% on Dining & Movies (₹600/mo) · Railway Surcharge Waiver · 1% Fuel Waiver",
  "bestFor": "Weekend diners, cinema lovers, restaurant bills & railway ticket booking",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/delight-platinum-card.html",
  "aiVerdict": {
    "score": 6.2,
    "summary": "Its strong reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "No extracted lounge benefit",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 10,
  "affiliateId": "kotak-delight-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/delight-platinum-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Delight Platinum Credit Card schedule of charges",
    "Kotak Bank Rewards — 10% dining and movie cashback terms"
  ],
  "feeWaiver": "Waived on annual retail spends exceeding ₹1,50,000 in previous anniversary year",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Dining Cashback",
      "value": "10% Flat Cashback"
    },
    {
      "key": "Movie Tickets",
      "value": "10% Flat Cashback"
    },
    {
      "key": "Monthly Cashback Cap",
      "value": "₹600 / month (₹7,200/yr)"
    },
    {
      "key": "Rail Surcharge",
      "value": "1% Waiver on IRCTC"
    },
    {
      "key": "Annual Fee",
      "value": "₹1,999 + GST"
    },
    {
      "key": "Fee Waiver",
      "value": "₹1,50,000 / year"
    }
  ],
  "earnRates": [
    {
      "category": "Restaurant Dining & Movie Theatres",
      "rate": "10.0% Flat Cashback",
      "monthlyCap": "₹600 / month (₹7,200/yr)",
      "perLakhSpent": "₹10,000 (Capped at ₹600/mo)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "0.25% (1 pt / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 pts (₹250 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Dining & Cinema Swipes",
      "multiplier": "10×",
      "rate": "10.0%",
      "monthlyCap": "₹600 / month",
      "dailyCap": "—",
      "note": "10% on restaurants & movies."
    },
    {
      "channel": "IRCTC Railway Bookings",
      "multiplier": "Waiver",
      "rate": "1.8%–2.5%",
      "monthlyCap": "₹500 / year",
      "dailyCap": "—",
      "note": "Railway surcharge waiver."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Direct Statement Cashback",
      "value": "₹1.00 per ₹1.00 cashback",
      "minPoints": "₹0 (Auto-credited)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹3,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,999 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,999 + GST (Waived at ₹1,50,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹35,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹4.5 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}