{
  "id": "kotak-white-credit-card",
  "locale": "hinglish",
  "name": "Kotak White Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "shopping",
  "cardTier": "mid",
  "annualFee": "₹3,000 + GST",
  "loungeAccess": "8 Domestic Lounges (2/qtr) + 4 International (Priority Pass)",
  "rewardsRate": "Up to ₹27,000 White Passes on ₹12L spends · 8 Domestic + 4 Intl Lounges",
  "bestFor": "Mid-to-high spenders jo points conversion ke jhanjhat ke bina direct brand vouchers (Taj, Flights, Retail) chahte hain",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/white-credit-card.html",
  "aiVerdict": {
    "score": 4.9,
    "summary": "It offers baseline benefits without any standout strength in rewards, fees, or lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹3000) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "kotak-white-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/white-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — White Credit Card schedule of charges",
    "Kotak White Card — White Pass milestone structure and brand redemption catalog"
  ],
  "feeWaiver": "Saal mein ₹5,00,000 retail spend karne par annual fee waived",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Lounge Access",
      "value": "8 Domestic (2/qtr) + 4 Intl"
    },
    {
      "key": "White Pass Earnings",
      "value": "Up to ₹27,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹3,000 + GST"
    },
    {
      "key": "Fee Waiver",
      "value": "₹5,00,000 / year"
    },
    {
      "key": "Welcome Gift",
      "value": "₹1,500 Pass on ₹30k spend"
    },
    {
      "key": "Forex Markup",
      "value": "3.5% + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Annual Spends of ₹12 Lakhs",
      "rate": "2.25% Milestone Valueback",
      "monthlyCap": "₹27,000 White Pass",
      "perLakhSpent": "₹2,250"
    },
    {
      "category": "Annual Spends of ₹9 Lakhs",
      "rate": "2.11% Milestone Valueback",
      "monthlyCap": "₹19,000 White Pass",
      "perLakhSpent": "₹2,111"
    },
    {
      "category": "Annual Spends of ₹6 Lakhs",
      "rate": "2.00% Milestone Valueback",
      "monthlyCap": "₹12,000 White Pass",
      "perLakhSpent": "₹2,000"
    },
    {
      "category": "Annual Spends of ₹4 Lakhs",
      "rate": "1.50% Milestone Valueback",
      "monthlyCap": "₹6,000 White Pass",
      "perLakhSpent": "₹1,500"
    },
    {
      "category": "Annual Spends of ₹2 Lakhs",
      "rate": "1.00% Milestone Valueback",
      "monthlyCap": "₹2,000 White Pass",
      "perLakhSpent": "₹1,000"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Tier 1: ₹2 Lakhs Spend Milestone",
      "multiplier": "Milestone",
      "rate": "₹2,000 White Pass",
      "monthlyCap": "Annual milestone",
      "dailyCap": "—",
      "note": "Cumulative ₹2,000 pass balance."
    },
    {
      "channel": "Tier 2: ₹4 Lakhs Spend Milestone",
      "multiplier": "Milestone",
      "rate": "₹4,000 White Pass",
      "monthlyCap": "Annual milestone",
      "dailyCap": "—",
      "note": "Cumulative ₹6,000 pass balance."
    },
    {
      "channel": "Tier 3: ₹6 Lakhs Spend Milestone",
      "multiplier": "Milestone",
      "rate": "₹6,000 White Pass",
      "monthlyCap": "Annual milestone",
      "dailyCap": "—",
      "note": "Cumulative ₹12,000 pass balance + Fee waiver unlocked."
    },
    {
      "channel": "Tier 4: ₹9 Lakhs Spend Milestone",
      "multiplier": "Milestone",
      "rate": "₹7,000 White Pass",
      "monthlyCap": "Annual milestone",
      "dailyCap": "—",
      "note": "Cumulative ₹19,000 pass balance."
    },
    {
      "channel": "Tier 5: ₹12 Lakhs Spend Milestone",
      "multiplier": "Milestone",
      "rate": "₹8,000 White Pass",
      "monthlyCap": "Annual milestone",
      "dailyCap": "—",
      "note": "Cumulative ₹27,000 maximum annual pass balance."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "White Pass Brand Vouchers (Taj, Retail, Travel)",
      "value": "₹1.00 / White Pass",
      "minPoints": "1 Pass",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Cashback / Statement Credit",
      "value": "₹0.70 / White Pass",
      "minPoints": "1 Pass",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Rent payments (MCC 6513 par 2% fee + GST).",
    "Wallet top-up transactions.",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹3,000 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹3,000 + GST (Waived at ₹5,00,000 annual retail spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "Primary: 28–60 years; Add-on: 18+ years"
    },
    {
      "criteria": "Income",
      "requirement": "₹25 Lakhs+ per annum"
    },
    {
      "criteria": "Location",
      "requirement": "Major metro cities (Mumbai, Delhi NCR, Bangalore, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, Chandigarh)"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}