{
  "id": "kotak-essentia-credit-card",
  "locale": "hi",
  "name": "Kotak Essentia Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹1,499 + GST",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "ग्रॉसरी व सुपरमार्केट्स पर 10% · 1 सेविंग पॉइंट = ₹1.00 · मुफ्त PVR मूवी टिकट्स",
  "bestFor": "घरेलू ग्रॉसरी खरीद, सुपरमार्केट बिलिंग (DMart, रिलायंस, बिगबास्केट) और सिनेमा रिवॉर्ड्स",
  "officialLink": "https://www.kotak.com/en/personal-banking/cards/credit-cards/essentia-platinum-card.html",
  "aiVerdict": {
    "score": 6.5,
    "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-essentia-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/essentia-platinum-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Essentia Platinum Credit Card schedule of charges",
    "Kotak Bank Rewards — 10% Saving Points and PVR movie milestone terms"
  ],
  "feeWaiver": "पिछले वर्ष में ₹1,00,000 से अधिक खुदरा खर्च करने पर वार्षिक शुल्क माफ",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "ग्रॉसरी व सुपरमार्केट्स",
      "value": "10% (10 SP / ₹100)"
    },
    {
      "key": "पॉइंट मूल्य",
      "value": "1 Saving Point = ₹1.00"
    },
    {
      "key": "माइलस्टोन मूवी टिकट्स",
      "value": "6 मुफ्त PVR टिकट्स / 6 माह"
    },
    {
      "key": "सामान्य खर्च",
      "value": "1 SP / ₹100 (1.0%)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹1,499 + GST"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹1,00,000 सालाना खर्च"
    }
  ],
  "earnRates": [
    {
      "category": "ग्रॉसरी व डिपार्टमेंटल स्टोर्स (न्यूनतम ₹1,500 लेनदेन)",
      "rate": "10.0% (10 SP / ₹100)",
      "monthlyCap": "500 SP / माह (₹500 मूल्य)",
      "perLakhSpent": "10,000 SP (अधिकतम 500 SP/माह)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "1.0% (1 SP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "1,000 SP (₹1,000 मूल्य)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 SP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "सुपरमार्केट्स व DMart",
      "multiplier": "10×",
      "rate": "10.0%",
      "monthlyCap": "500 SP / माह",
      "dailyCap": "—",
      "note": "ग्रॉसरी पर प्रति ₹100 पर 10 SP।"
    },
    {
      "channel": "छमाही माइलस्टोन",
      "multiplier": "Tickets",
      "rate": "6 PVR टिकट्स",
      "monthlyCap": "प्रति 6 माह",
      "dailyCap": "—",
      "note": "₹1.25 लाख खर्च पर 6 मुफ्त मूवी टिकट्स।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "स्टेटमेंट नकद क्रेडिट",
      "value": "₹1.00 / Saving Point",
      "minPoints": "1,000 SP",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "PVR मूवी टिकट्स व कैटलॉग",
      "value": "₹1.00 / Saving Point",
      "minPoints": "500 SP",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंप खरीद (सरचार्ज माफी के बाहर)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹1,499 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹1,499 + GST (₹1,00,000 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": "₹30,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹4.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}