{
  "id": "kotak-royale-signature-credit-card",
  "locale": "hinglish",
  "name": "Kotak Royale Signature Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "shopping",
  "cardTier": "mid",
  "annualFee": "₹999 + GST",
  "loungeAccess": "Complimentary Domestic Airport Lounge access (2 visits per calendar quarter, max 8 visits/year)",
  "rewardsRate": "Hotels, Flights & Dining par 4X Rewards (4 pts / ₹150) · 8 Domestic Lounges/Year · ₹2.5 Lakhs Travel Cover",
  "bestFor": "Affluent professionals, frequent business travelers, fine diners aur weekend vacationers",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/royale-signature-credit-card.html",
  "aiVerdict": {
    "score": 3.3,
    "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": 0.33,
  "affiliateId": "kotak-royale-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/royale-signature-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Kotak Royale Signature Credit Card official schedule of charges and MITC",
    "Kotak Signature Privileges — 4X travel/hotel rewards, ₹2.5L travel cover & 8 domestic airport lounge access terms"
  ],
  "feeWaiver": "Saal mein ₹1,00,000 retail spend karne par annual renewal fee waived",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹999 + GST (Waived on ₹1L spend)"
    },
    {
      "key": "Travel & Dining",
      "value": "Hotels, Flights & Dining par 4X Points (4 pts / ₹150)"
    },
    {
      "key": "Airport Lounges",
      "value": "2 complimentary domestic visits / quarter (8 visits/year)"
    },
    {
      "key": "Base Reward Rate",
      "value": "General retail par 2 Points / ₹150"
    },
    {
      "key": "Travel Insurance",
      "value": "₹2.50 Lakhs Baggage Loss / Transit Cover"
    },
    {
      "key": "Fuel Surcharge",
      "value": "₹500 se ₹3,000 par 1% waiver"
    }
  ],
  "earnRates": [
    {
      "category": "Hotels, Airlines, Restaurants & Travel (4X)",
      "rate": "4 Points / ₹150 (0.67% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,666 Points (~₹666 value)"
    },
    {
      "category": "All Other Domestic Retail Spends (2X)",
      "rate": "2 Points / ₹150 (0.33% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,333 Points (~₹333 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Hotels, Airlines & Travel",
      "multiplier": "4×",
      "rate": "4 Points / ₹150 (0.67%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Hotels, flight tickets aur travel portals par 4 points per ₹150."
    },
    {
      "channel": "Restaurants & Dining",
      "multiplier": "4×",
      "rate": "4 Points / ₹150 (0.67%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Restaurant dining aur food delivery par 4 points per ₹150."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Kotak Rewards Shopping & Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "400 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (sirf 1% surcharge waiver milega).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹999 + GST",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹999 + GST (Saal mein ₹1,00,000 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 Annual Income",
      "requirement": "₹6,00,000+ per annum (Salaried) ya ₹7.2L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "730+ recommended for Signature approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}