{
  "id": "kotak-kotak-cashback-credit-card",
  "locale": "hinglish",
  "name": "Kotak Cashback Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "Complimentary Domestic Airport Lounge access (1 visit per calendar quarter, max 4 visits/year)",
  "rewardsRate": "Department Stores, Supermarkets, Dining & Utilities par up to 5.0% Direct Cashback · 4 Lounges/Year · Statement Credit",
  "bestFor": "Household spenders, grocery shoppers, restaurant diners, utility bill payers aur retail shoppers",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/cashback-credit-card.html",
  "aiVerdict": {
    "score": 3.5,
    "summary": "Its modest reward rate and low annual fee offset the lack of 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": 0.5,
  "affiliateId": "kotak-kotak-cashback-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/cashback-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Kotak Cashback Credit Card official schedule of charges and MITC",
    "Kotak Everyday Cashback Scheme — 5% departmental/dining cashback, statement credit rules & 4 domestic lounge visits"
  ],
  "feeWaiver": "Saal mein ₹50,000 retail spend karne par annual renewal fee waived",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹499 + GST (Waived on ₹50k spend)"
    },
    {
      "key": "Retail Cashback",
      "value": "Supermarkets & Dining par up to 5.0% Cashback"
    },
    {
      "key": "Airport Lounges",
      "value": "1 complimentary domestic visit / quarter (4 visits/year)"
    },
    {
      "key": "Welcome Gift",
      "value": "Setup par ₹500 Statement Cashback"
    },
    {
      "key": "Auto Credit",
      "value": "Monthly bill mein direct cashback adjustment"
    },
    {
      "key": "Fuel Surcharge",
      "value": "₹500 se ₹3,000 par 1% waiver"
    }
  ],
  "earnRates": [
    {
      "category": "Department Stores, Supermarkets & Dining (5%)",
      "rate": "5.0% Direct Statement Cashback",
      "monthlyCap": "Max ₹500 cashback / month",
      "perLakhSpent": "₹5,000 Direct Statement Cash"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "0.50% Direct Statement Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹500 Statement Cash"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0 Cashback"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Supermarkets & Department Stores",
      "multiplier": "10×",
      "rate": "5.0% Cashback",
      "monthlyCap": "₹500 / month",
      "dailyCap": "—",
      "note": "Grocery stores aur retail outlets par 5% direct cashback."
    },
    {
      "channel": "Dining & Utility Bills",
      "multiplier": "10×",
      "rate": "5.0% Cashback",
      "monthlyCap": "₹500 / month",
      "dailyCap": "—",
      "note": "Restaurants aur electricity/water bills par 5% cashback."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Automatic Monthly Statement Credit",
      "value": "100% Real Rupee Value",
      "minPoints": "Automatic",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (sirf 1% surcharge waiver milega).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST (₹500 Welcome Cashback Included)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Saal mein ₹50,000 spend par waived)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.50% per month (42.00% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "₹500 se ₹3,000 ke transactions par 1% waiver (Max ₹100/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 se 65 saal"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹25,000+ per month (Salaried) ya ₹3.6L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "710+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}