{
  "id": "privy-league-signature-credit-card",
  "locale": "hi",
  "name": "Kotak Privy League Signature Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹2,500 + GST (प्रिवी ग्राहकों के लिए लाइफटाइम फ्री)",
  "loungeAccess": "8 घरेलू लाउंज / वर्ष (2/तिमाही) + 4 अंतरराष्ट्रीय (Priority Pass)",
  "rewardsRate": "चयनित प्लान पर 5X (शॉपिंग या यात्रा = 2.0%) · 12 एयरपोर्ट लाउंज · 2.0% फॉरेक्स",
  "bestFor": "प्रिवी लीग वेल्थ ग्राहक, कस्टमाइज्ड शॉपिंग/ट्रैवल रिवॉर्ड्स, प्रायोरिटी पास लाउंज और वेल्थ बैंकिंग",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/privy-league-signature-credit-card.html",
  "aiVerdict": {
    "score": 5.5,
    "summary": "Its modest reward rate and 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": 1
  },
  "rewardRatePercent": 2,
  "affiliateId": "kotak-privy-league-signature-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/privy-league-signature-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Privy League Signature Credit Card schedule of charges",
    "Kotak Privy League Matrix — 5X customizable reward plans, Priority Pass, and milestone terms"
  ],
  "feeWaiver": "कोटक प्रिवी लीग बैंकिंग ग्राहकों के लिए पूरी तरह मानार्थ",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "कस्टम 5X श्रेणियां",
      "value": "5 अंक / ₹100 (शॉपिंग या ट्रैवल)"
    },
    {
      "key": "घरेलू लाउंज",
      "value": "8 विज़िट / वर्ष (2/तिमाही)"
    },
    {
      "key": "अंतरराष्ट्रीय लाउंज",
      "value": "4 विज़िट / वर्ष (Priority Pass)"
    },
    {
      "key": "प्रिवी बैंकिंग",
      "value": "100% लाइफटाइम फ्री"
    },
    {
      "key": "फॉरेक्स मार्कअप",
      "value": "2.0% + GST (रियायती दर)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹2,500 + GST / ₹0"
    }
  ],
  "earnRates": [
    {
      "category": "चुनी गई 5X श्रेणी (शॉपर / ट्रैवलर)",
      "rate": "2.0% (5 pts / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "5,000 pts (₹2,000 मूल्य)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "0.80% (2 pts / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,000 pts (₹800 मूल्य)"
    },
    {
      "category": "ईंधन और किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "शॉपर प्लान",
      "multiplier": "5X",
      "rate": "2.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "कपड़े, राशन, इलेक्ट्रॉनिक्स पर 5X।"
    },
    {
      "channel": "ट्रैवलर प्लान",
      "multiplier": "5X",
      "rate": "2.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "उड़ानों, होटलों और विदेश में 5X।"
    },
    {
      "channel": "प्रायोरिटी पास लाउंज",
      "multiplier": "4 Visits",
      "rate": "International",
      "monthlyCap": "4 / वर्ष",
      "dailyCap": "—",
      "note": "सालाना 4 मुफ्त इंटरनेशनल लाउंज।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "फ्लाइट व होटल बुकिंग्स (Kotak Rewards)",
      "value": "₹0.25–₹0.40 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "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": "₹2,500 + GST (प्रिवी ग्राहकों के लिए ₹0 लाइफटाइम फ्री)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹2,500 + GST (प्रिवी ग्राहकों के लिए मुफ्त / ₹2.5 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "2.0% + GST (रियायती दर)"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.50% प्रति माह (42.0% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "बैंकिंग संबंध",
      "requirement": "कोटक प्रिवी लीग वेल्थ बैंकिंग खाता"
    },
    {
      "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
}