{
  "id": "kotak-infinite-credit-card",
  "locale": "hi",
  "name": "Kotak Infinite Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹0 (वर्तमान KFS)",
  "loungeAccess": "प्रति तिमाही 4 घरेलू विज़िट; विदेशी लाउंज सीमा सत्यापित नहीं",
  "rewardsRate": "बेस अर्न और रिडेम्पशन दर अपने खाते के लिए पुष्टि करें",
  "bestFor": "मौजूदा Kotak Wealth Infinite कार्डधारक",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/wealth-management-infinite-credit-card.html",
  "aiVerdict": {
    "score": 6.8,
    "summary": "Its lifetime-free pricing 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": 0.75
  },
  "affiliateId": "kotak-infinite-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/wealth-management-infinite-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/Kotak-Infinite-Credit-Card.pdf",
    "https://images.kotak.com/bank/mailers/2022/files/Kotak%20Domestic%20Lounge%20List.pdf",
    "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/wealth-management-infinite-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/Kotak-Infinite-Credit-Card.pdf",
    "https://images.kotak.com/bank/mailers/2022/files/Kotak%20Domestic%20Lounge%20List.pdf"
  ],
  "feeWaiver": "वर्तमान KFS में जॉइनिंग और वार्षिक फीस शून्य है; पूर्व सूचना पर शुल्क बदल सकते हैं।",
  "networks": [
    "Visa"
  ],
  "quickFacts": [],
  "earnRates": [],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [],
  "exclusions": [],
  "feesDetail": [
    {
      "item": "Joining / annual fee",
      "value": "Nil (current KFS)"
    },
    {
      "item": "Forex markup",
      "value": "2% + applicable taxes"
    },
    {
      "item": "Finance charges",
      "value": "3.50% monthly / 42% annually",
      "warn": true
    },
    {
      "item": "Fuel surcharge waiver",
      "value": "1% on ₹400–₹7,500; ₹4,500 per anniversary year; GST payable"
    }
  ],
  "eligibilityDetail": [],
  "timelineEvents": [],
  "pointsValuation": null
}