{
  "id": "kotak-zenith-credit-card",
  "locale": "hi",
  "name": "Kotak Zenith Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹1,500 + GST",
  "loungeAccess": "8 घरेलू लाउंज / वर्ष (2/तिमाही)",
  "rewardsRate": "डाइनिंग व ग्लोबल पर 15 RP / ₹150 · 8 लाउंज · 10,000 तिमाही माइलस्टोन अंक",
  "bestFor": "डाइनिंग प्रेमी, डिपार्टमेंटल स्टोर खरीदार और घरेलू एयरपोर्ट लाउंज एक्सेस",
  "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": "पिछले वर्ष में ₹1,50,000 से अधिक खुदरा खर्च करने पर वार्षिक शुल्क माफ",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "डाइनिंग व विदेश",
      "value": "15 RP / ₹150 (2.5%)"
    },
    {
      "key": "अन्य सभी खर्च",
      "value": "5 RP / ₹150 (0.83%)"
    },
    {
      "key": "घरेलू लाउंज",
      "value": "8 विज़िट / वर्ष (2/तिमाही)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹1,500 + GST"
    },
    {
      "key": "तिमाही माइलस्टोन",
      "value": "₹1.25L खर्च पर 10k बोनस अंक"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹1,50,000 सालाना खर्च"
    }
  ],
  "earnRates": [
    {
      "category": "डाइनिंग, डिपार्टमेंटल स्टोर व अंतरराष्ट्रीय",
      "rate": "2.5% (15 RP / ₹150)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "10,000 RP (₹2,500 value)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "0.83% (5 RP / ₹150)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "3,333 RP (₹833 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "तिमाही खर्च माइलस्टोन (₹1.25 लाख खर्च)",
      "multiplier": "Milestone",
      "rate": "10,000 बोनस RP",
      "monthlyCap": "10,000 अंक / तिमाही",
      "dailyCap": "—",
      "note": "हर तिमाही ₹2,500 मूल्य के अंक (40k अंक/वर्ष = ₹10,000)।"
    },
    {
      "channel": "डाइनिंग व डिपार्टमेंटल",
      "multiplier": "3×",
      "rate": "2.5%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "प्रति ₹150 खर्च पर 15 RP।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹0.25 / पॉइंट",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "फ्लाइट और होटल टिकट्स",
      "value": "₹0.25 / पॉइंट",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (सरचार्ज माफी लागू)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹1,500 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹1,500 + 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": "₹50,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹6.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}