{
  "id": "kotak-kotak-upi-rupay-credit-card",
  "locale": "en",
  "name": "Kotak RuPay UPI Virtual Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "Not Included (Optimized strictly for mobile UPI merchant QR payments)",
  "rewardsRate": "3 Reward Points / ₹100 spent on RuPay UPI Merchant QR Payments · 100% Lifetime Free · Instant Digital Card",
  "bestFor": "Daily UPI scan-and-pay spenders, mobile banking users, local kirana shoppers, and tea/coffee stalls",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-upi-rupay-credit-card.html",
  "affiliateId": "kotak-kotak-upi-rupay-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/kotak-upi-rupay-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Kotak RuPay UPI Virtual Credit Card official schedule of charges and MITC",
    "NPCI Credit on UPI Guidelines — 3 reward points / ₹100 merchant UPI QR spend, 100% LTF terms & instant digital setup"
  ],
  "feeWaiver": "100% Lifetime Free with zero joining or annual renewal charges forever",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "key": "UPI Rewards",
      "value": "3 Reward Points / ₹100 on merchant UPI QR scans"
    },
    {
      "key": "Card Type",
      "value": "100% Virtual Digital Card via Kotak Mobile App"
    },
    {
      "key": "Joining Fee",
      "value": "₹0 (Zero setup charges)"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹500 to ₹3,000"
    },
    {
      "key": "Network",
      "value": "RuPay Credit on UPI"
    }
  ],
  "earnRates": [
    {
      "category": "RuPay UPI Merchant QR Payments",
      "rate": "3 Points / ₹100 (0.75% value)",
      "monthlyCap": "Max 1,500 points / month",
      "perLakhSpent": "3,000 Points (~₹750 value)"
    },
    {
      "category": "Online E-Commerce Spends",
      "rate": "1 Point / ₹100 (0.25% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (~₹250 value)"
    },
    {
      "category": "Peer-to-Peer (P2P) UPI Transfers",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Merchant UPI QR Scans",
      "multiplier": "3×",
      "rate": "3 Points / ₹100 (0.75%)",
      "monthlyCap": "1,500 pts / month",
      "dailyCap": "—",
      "note": "3 points per ₹100 across all verified merchant UPI QR scans."
    },
    {
      "channel": "Regular Online Transactions",
      "multiplier": "1×",
      "rate": "1 Point / ₹100 (0.25%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "1 point per ₹100 on regular e-commerce spending."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Kotak Rewards Shopping & Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "400 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "P2P personal money transfers to friends and family.",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (100% Lifetime Free)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)",
      "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": "Age Requirement",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Existing Relationship",
      "requirement": "Existing Kotak Credit Card holder or Kotak 811 Savings Account holder"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "700+ recommended for instant virtual approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}