{
  "id": "kotak-essentia-credit-card",
  "locale": "hinglish",
  "name": "Kotak Essentia Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹1,499 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "10% on Groceries & Supermarkets · 1 Saving Point = ₹1.00 · Free PVR Movies",
  "bestFor": "Household grocery shopping, supermarket billing (DMart, Reliance, Nature's Basket) & movie rewards",
  "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": "Saal mein ₹1,00,000 retail spend karne par annual fee waived",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Groceries & Supermarkets",
      "value": "10% (10 SP / ₹100)"
    },
    {
      "key": "Point Value",
      "value": "1 Saving Point = ₹1.00"
    },
    {
      "key": "Milestone Tickets",
      "value": "6 Free PVR Tickets / 6 months"
    },
    {
      "key": "General Spends",
      "value": "1 SP / ₹100 (1.0%)"
    },
    {
      "key": "Annual Fee",
      "value": "₹1,499 + GST"
    },
    {
      "key": "Fee Waiver",
      "value": "₹1,00,000 / year"
    }
  ],
  "earnRates": [
    {
      "category": "Groceries & Departmental Stores (Min ₹1,500 txn)",
      "rate": "10.0% (10 SP / ₹100)",
      "monthlyCap": "500 SP / month (₹500 value)",
      "perLakhSpent": "10,000 SP (Capped at 500 SP/mo)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1.0% (1 SP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 SP (₹1,000 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 SP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Supermarkets & DMart",
      "multiplier": "10×",
      "rate": "10.0%",
      "monthlyCap": "500 SP / month",
      "dailyCap": "—",
      "note": "10 SP per ₹100 on groceries."
    },
    {
      "channel": "Bi-Annual Milestone",
      "multiplier": "Tickets",
      "rate": "6 PVR Tickets",
      "monthlyCap": "Every 6 months",
      "dailyCap": "—",
      "note": "6 free movie tickets on ₹1.25L spend."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Direct Statement Cash Credit",
      "value": "₹1.00 / Saving Point",
      "minPoints": "1,000 SP",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "PVR Movie Tickets & Catalog",
      "value": "₹1.00 / Saving Point",
      "minPoints": "500 SP",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹3,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,499 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,499 + GST (Waived at ₹1,00,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹30,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹4.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}