{
  "id": "kotak-delight-credit-card",
  "locale": "hi",
  "name": "Kotak Delight Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹1,999 + GST",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "डाइनिंग व मूवीज पर 10% (₹600/माह) · IRCTC रेलवे सरचार्ज छूट · 1% फ्यूल छूट",
  "bestFor": "वीकेंड डाइनिंग, फिल्म प्रेमी, रेस्तरां बिल और IRCTC रेलवे टिकट बुकिंग",
  "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": "पिछले वर्ष में ₹1,50,000 से अधिक खुदरा खर्च करने पर वार्षिक शुल्क माफ",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "डाइनिंग कैशबैक",
      "value": "10% सीधा कैशबैक"
    },
    {
      "key": "मूवी टिकट्स",
      "value": "10% सीधा कैशबैक"
    },
    {
      "key": "मासिक कैशबैक कैप",
      "value": "₹600 / माह (₹7,200/वर्ष)"
    },
    {
      "key": "रेलवे सरचार्ज",
      "value": "IRCTC पर 1% माफी"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹1,999 + GST"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹1,50,000 सालाना खर्च"
    }
  ],
  "earnRates": [
    {
      "category": "रेस्तरां डाइनिंग व सिनेमा थिएटर्स",
      "rate": "10.0% Flat Cashback",
      "monthlyCap": "₹600 / माह (₹7,200/वर्ष)",
      "perLakhSpent": "₹10,000 (अधिकतम ₹600/माह)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "0.25% (1 pt / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "1,000 pts (₹250 मूल्य)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "डाइनिंग व सिनेमा",
      "multiplier": "10×",
      "rate": "10.0%",
      "monthlyCap": "₹600 / माह",
      "dailyCap": "—",
      "note": "डाइनिंग व मूवीज पर 10% कैशबैक।"
    },
    {
      "channel": "IRCTC रेलवे बुकिंग्स",
      "multiplier": "Waiver",
      "rate": "1.8%–2.5%",
      "monthlyCap": "₹500 / वर्ष",
      "dailyCap": "—",
      "note": "रेलवे टिकट सरचार्ज माफी।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "स्टेटमेंट कैशबैक",
      "value": "₹1.00 प्रति ₹1.00 कैशबैक",
      "minPoints": "₹0 (ऑटो-क्रेडिट)",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST"
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंप खरीद (सरचार्ज माफी के बाहर)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹1,999 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹1,999 + GST (₹1,50,000 खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.5% प्रति माह (42.0% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹35,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹4.5 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}