{
  "id": "kotak-zenith-credit-card",
  "locale": "en",
  "name": "Kotak Zenith Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹1,500 + GST",
  "loungeAccess": "8 Domestic Lounges / year (2/qtr)",
  "rewardsRate": "15 RP / ₹150 on Dining & Global · 8 Lounges · 10,000 Quarterly Milestone Pts",
  "bestFor": "Dining enthusiasts, departmental store shoppers & domestic airport lounge access",
  "officialLink": "https://www.kotak.com/en/personal-banking/cards/credit-cards/zenith-credit-card.html",
  "aiVerdict": {
    "score": 4.2,
    "summary": "Its modest reward rate and low annual fee offset limited 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": 0.83,
  "affiliateId": "kotak-zenith-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.com/en/personal-banking/cards/credit-cards/zenith-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Zenith Credit Card schedule of charges",
    "Kotak Rewards & DreamFolks — Zenith reward points and lounge terms"
  ],
  "feeWaiver": "Waived on annual retail spends exceeding ₹1,50,000 in previous anniversary year",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Dining & Overseas",
      "value": "15 RP / ₹150 (2.5%)"
    },
    {
      "key": "All Other Spends",
      "value": "5 RP / ₹150 (0.83%)"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹1,500 + GST"
    },
    {
      "key": "Quarterly Milestone",
      "value": "10,000 Bonus RP on ₹1.25L"
    },
    {
      "key": "Fee Waiver",
      "value": "₹1,50,000 / year"
    }
  ],
  "earnRates": [
    {
      "category": "Dining, Departmental Stores & International",
      "rate": "2.5% (15 RP / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 RP (₹2,500 value)"
    },
    {
      "category": "All Other Domestic Retail",
      "rate": "0.83% (5 RP / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,333 RP (₹833 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Quarterly Spend Milestone (₹1.25 Lakhs)",
      "multiplier": "Milestone",
      "rate": "10,000 Bonus RP",
      "monthlyCap": "10,000 pts / qtr",
      "dailyCap": "—",
      "note": "Worth ₹2,500 per quarter (40k pts/yr = ₹10k)."
    },
    {
      "channel": "Dining & Departmental",
      "multiplier": "3×",
      "rate": "2.5%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "15 RP per ₹150 spent."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.25 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Flight & Hotel Bookings",
      "value": "₹0.25 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹3,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,500 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,500 + 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": "₹50,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹6.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}