{
  "id": "kotak-signature-credit-card",
  "locale": "hinglish",
  "name": "Kotak Signature Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹999 + GST",
  "loungeAccess": "8 Domestic Lounges / year (2/qtr)",
  "rewardsRate": "4 pts / ₹150 on Travel & Dining (2.67%) · 2 pts / ₹150 Retail · 8 Airport Lounges · ₹50L Insurance",
  "bestFor": "Airlines, hotel bookings, fine dining, domestic airport lounges, ₹50L air accident cover & ₹1L waiver",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/royale-signature-credit-card.html",
  "aiVerdict": {
    "score": 5.2,
    "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": 2.67,
  "affiliateId": "kotak-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 — Signature / Royale Credit Card schedule of charges",
    "Kotak Signature Travel Rewards Matrix — 4X travel points, DreamFolks lounges, and insurance terms"
  ],
  "feeWaiver": "Saal mein ₹1,00,000 retail spend karne par annual fee waived",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Travel & Dining",
      "value": "4 pts / ₹150 (2.67% return)"
    },
    {
      "key": "General Retail",
      "value": "2 pts / ₹150 (1.33% return)"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Air Accident Insurance",
      "value": "₹50 Lakhs Complimentary"
    },
    {
      "key": "Annual Fee",
      "value": "₹999 + GST"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹1,00,000 / year"
    }
  ],
  "earnRates": [
    {
      "category": "Airlines, Hotels, Dining & International Spends",
      "rate": "2.67% (4 pts / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,667 pts (₹667 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1.33% (2 pts / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,333 pts (₹333 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Airlines & Hotels",
      "multiplier": "4 pts / ₹150",
      "rate": "2.67%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Flights, hotel bookings."
    },
    {
      "channel": "Dining & International",
      "multiplier": "4 pts / ₹150",
      "rate": "2.67%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Restaurants, overseas spends."
    },
    {
      "channel": "Domestic Lounges",
      "multiplier": "8 Visits",
      "rate": "Airport Lounge",
      "monthlyCap": "2 / quarter",
      "dailyCap": "—",
      "note": "8 free domestic lounges / yr."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flight & Hotel Bookings (Kotak Rewards)",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "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": "₹999 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹999 + GST (Waived at ₹1,00,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.50% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹40,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹5.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}