{
  "id": "kotak-myntra-credit-card",
  "locale": "hi",
  "name": "Kotak Myntra Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹500 + GST",
  "loungeAccess": "4 घरेलू लाउंज / वर्ष (₹50k तिमाही खर्च शर्त)",
  "rewardsRate": "मिंत्रा पर 7.5% तुरंत छूट · 5% स्विगी/ज़ोमैटो/PVR/अर्बन कंपनी · 1.25% अन्य",
  "bestFor": "मिंत्रा फैशन खरीदार, स्विगी/ज़ोमैटो फूड डिलीवरी और लाइफस्टाइल खर्च",
  "officialLink": "https://www.kotak.com/en/personal-banking/cards/credit-cards/myntra-credit-card.html",
  "aiVerdict": {
    "score": 4.3,
    "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": 1.25,
  "affiliateId": "kotak-myntra-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/myntra-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Myntra Credit Card schedule of charges",
    "Myntra & Kotak — 7.5% instant discount and preferred partner terms"
  ],
  "feeWaiver": "पिछले वर्ष में ₹2,00,000 से अधिक खुदरा खर्च करने पर वार्षिक शुल्क माफ",
  "networks": [
    "Mastercard",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "मिंत्रा डिस्काउंट",
      "value": "7.5% तुरंत छूट (अधिकतम ₹750)"
    },
    {
      "key": "पार्टनर ऐप्स",
      "value": "5% Swiggy/Zomato/PVR/UC"
    },
    {
      "key": "अन्य सभी खर्च",
      "value": "1.25% असीमित कैशबैक"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹500 + GST"
    },
    {
      "key": "स्वागत उपहार",
      "value": "₹500 Myntra Voucher"
    },
    {
      "key": "तिमाही मूवी",
      "value": "₹50k खर्च पर 2 मुफ्त PVR टिकट्स"
    }
  ],
  "earnRates": [
    {
      "category": "Myntra ऐप और वेबसाइट",
      "rate": "7.5% Instant Discount",
      "monthlyCap": "अधिकतम ₹750 / लेनदेन",
      "perLakhSpent": "₹7,500 (तुरंत छूट)"
    },
    {
      "category": "Swiggy, Zomato, PVR व Urban Company",
      "rate": "5.0% Cashback",
      "monthlyCap": "₹1,000 / माह",
      "perLakhSpent": "₹5,000 (अधिकतम ₹1,000/माह)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "1.25% Cashback",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "₹1,250"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Myntra ऐप खरीदारी",
      "multiplier": "Instant Off",
      "rate": "7.5%",
      "monthlyCap": "₹750 / लेनदेन",
      "dailyCap": "—",
      "note": "कार्ट बिल पर तुरंत कटौती।"
    },
    {
      "channel": "Swiggy, Zomato, PVR, Urban Company",
      "multiplier": "5×",
      "rate": "5.0%",
      "monthlyCap": "₹1,000 / माह",
      "dailyCap": "—",
      "note": "फूड डिलीवरी, सिनेमा और होम सैलून सेवाएं।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "तुरंत Myntra डिस्काउंट",
      "value": "₹1.00 प्रति ₹1.00 छूट",
      "minPoints": "₹0",
      "ceiling": "₹750 / लेनदेन",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "स्टेटमेंट क्रेडिट (कैशबैक)",
      "value": "₹1.00 प्रति ₹1.00 कैशबैक",
      "minPoints": "₹0 (ऑटो-क्रेडिट)",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (सरचार्ज माफी लागू)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹500 + GST (₹500 Myntra Voucher welcome gift)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹500 + GST (₹2,00,000 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": "₹25,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹3.6 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}