{
  "id": "au-altura-credit-card",
  "locale": "en",
  "name": "Au Altura Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹199 + GST",
  "loungeAccess": "8 Railway Lounges / year (2/qtr)",
  "rewardsRate": "2% on Groceries & Utilities · 1% other retail · 8 Railway Lounges",
  "bestFor": "Groceries, utility bill payments & railway executive lounge visits",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/altura-credit-card",
  "aiVerdict": {
    "score": 5,
    "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": 1,
  "affiliateId": "au-altura-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.au.bank.in/personal-banking/credit-cards/altura-credit-card",
    "https://www.au.bank.in/credit-cards/mitc(with-schedule-of-charges).pdf",
    "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
    "https://www.au.bank.in/pdf/railway-lounges.pdf"
  ],
  "feeWaiver": "Waived on annual retail spends exceeding ₹40,000 in previous anniversary year",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Groceries & Utilities",
      "value": "2% Cashback"
    },
    {
      "key": "All Other Spends",
      "value": "1% Cashback"
    },
    {
      "key": "Railway Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹199 + GST"
    },
    {
      "key": "Fee Waiver",
      "value": "₹40,000 / year"
    },
    {
      "key": "Monthly Milestone",
      "value": "₹50 bonus on ₹10k spend"
    }
  ],
  "earnRates": [
    {
      "category": "Groceries, Supermarkets & Utilities",
      "rate": "2.0% Cashback",
      "monthlyCap": "₹50 / month",
      "perLakhSpent": "₹2,000 (Capped at ₹50/mo)"
    },
    {
      "category": "General Domestic Retail Spends",
      "rate": "1.0% Cashback",
      "monthlyCap": "₹50 / month",
      "perLakhSpent": "₹1,000 (Capped at ₹50/mo)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Groceries & Utility Bills",
      "multiplier": "2×",
      "rate": "2.0%",
      "monthlyCap": "₹50 / month",
      "dailyCap": "—",
      "note": "2% cashback on merchant MCCs."
    },
    {
      "channel": "Monthly Spend Milestone (₹10,000 spend)",
      "multiplier": "Milestone",
      "rate": "₹50 Bonus Cashback",
      "monthlyCap": "₹50 / month (₹600/yr)",
      "dailyCap": "—",
      "note": "On spending ₹10k in a calendar month."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Auto Statement Credit",
      "value": "₹1.00 per ₹1.00 cashback",
      "minPoints": "₹0 (Auto-credited)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver applies on ₹400–₹5,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹199 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹199 + GST (Waived at ₹40,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹20,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹2.5 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}