{
  "id": "privy-league-signature-credit-card",
  "locale": "hinglish",
  "name": "Kotak Privy League Signature Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹2,500 + GST (Lifetime Free for Privy Clients)",
  "loungeAccess": "8 Domestic Lounges / year (2/qtr) + 4 International (Priority Pass)",
  "rewardsRate": "5X on Chosen Plan (Shopper / Traveller = 2.0%) · 12 Airport Lounges · 2.0% Forex",
  "bestFor": "Privy League wealth clients, customized shopping/travel rewards, Priority Pass lounges & luxury banking",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/privy-league-signature-credit-card.html",
  "aiVerdict": {
    "score": 5.5,
    "summary": "Its modest reward rate and lifetime-free pricing 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,
  "affiliateId": "kotak-privy-league-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/privy-league-signature-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Privy League Signature Credit Card schedule of charges",
    "Kotak Privy League Matrix — 5X customizable reward plans, Priority Pass, and milestone terms"
  ],
  "feeWaiver": "Complimentary for Kotak Privy League Banking Clients",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Custom 5X Categories",
      "value": "5 pts / ₹100 (Shopper or Traveller)"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "International Lounge",
      "value": "4 visits / year (Priority Pass)"
    },
    {
      "key": "Privy Banking",
      "value": "100% Lifetime Free"
    },
    {
      "key": "Forex Markup",
      "value": "2.0% + GST (Discounted)"
    },
    {
      "key": "Annual Fee",
      "value": "₹2,500 + GST / ₹0"
    }
  ],
  "earnRates": [
    {
      "category": "Chosen 5X Category (Shopper / Traveller)",
      "rate": "2.0% (5 pts / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 pts (₹2,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "0.80% (2 pts / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 pts (₹800 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Shopper's Plan",
      "multiplier": "5X",
      "rate": "2.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Apparel, groceries, electronics."
    },
    {
      "channel": "Traveller's Plan",
      "multiplier": "5X",
      "rate": "2.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Airlines, hotels, duty-free."
    },
    {
      "channel": "Priority Pass Lounges",
      "multiplier": "4 Visits",
      "rate": "International",
      "monthlyCap": "4 / year",
      "dailyCap": "—",
      "note": "4 free intl lounges / year."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flight & Hotel Bookings (Kotak Rewards)",
      "value": "₹0.25–₹0.40 / 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–₹4,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹2,500 + GST (₹0 Lifetime Free for Privy Clients)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹2,500 + GST (Waived for Privy Clients / ₹2.5L spend)"
    },
    {
      "item": "Forex Markup",
      "value": "2.0% + GST (Discounted rate)"
    },
    {
      "item": "Finance Charges",
      "value": "3.50% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Relationship",
      "requirement": "Kotak Privy League Banking Account"
    },
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹50,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹6.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}