{
  "id": "au-business-cashback-credit-card",
  "locale": "en",
  "name": "AU Business Cashback Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹99 per month + GST",
  "loungeAccess": "Complimentary Domestic Airport Lounge access (1 visit per calendar quarter, max 4 visits/year)",
  "rewardsRate": "1% Cashback on TAD Repayment · 48 Days Free Credit · 8 Railway Lounges",
  "bestFor": "Small business owners, MSMEs, traders, corporate vendors, and procurement managers",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/business-cashback-credit-card",
  "aiVerdict": {
    "score": 3.9,
    "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": 1,
  "affiliateId": "au-business-cashback-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/business-cashback-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 monthly retail spends exceeding ₹10,000 in statement cycle",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹499 + GST (Waived on ₹50k spend)"
    },
    {
      "key": "Business Cashback",
      "value": "Up to 2.0% Direct Cashback on Utilities & GST"
    },
    {
      "key": "Credit Cycle",
      "value": "Up to 48 Days Interest-Free Working Capital"
    },
    {
      "key": "Airport Lounges",
      "value": "1 complimentary domestic visit / quarter (4 visits/year)"
    },
    {
      "key": "Welcome Gift",
      "value": "₹500 Statement Cashback on initial card setup"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹400 to ₹5,000"
    }
  ],
  "earnRates": [
    {
      "category": "Commercial Utilities, Bills & Vendor Purchases (2%)",
      "rate": "2.0% Direct Statement Cashback",
      "monthlyCap": "Max ₹500 cashback / month",
      "perLakhSpent": "₹2,000 Direct Statement Cash"
    },
    {
      "category": "All Other Domestic Retail Spends (0.50%)",
      "rate": "0.50% Direct Statement Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹500 Statement Cash"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0 Cashback"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Commercial Utilities & Vendor Supplies",
      "multiplier": "4×",
      "rate": "2.0% Cashback",
      "monthlyCap": "₹500 / month",
      "dailyCap": "—",
      "note": "2% cashback on electricity, water, internet, and office procurement."
    },
    {
      "channel": "Government Taxes & GST Payments",
      "multiplier": "2×",
      "rate": "1.0% Cashback",
      "monthlyCap": "₹250 / month",
      "dailyCap": "—",
      "note": "1% cashback on tax and GST payments."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Automatic Monthly Statement Credit",
      "value": "100% Real Rupee Value",
      "minPoints": "Automatic",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST (Includes ₹500 Welcome Statement Cashback)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Waived on ₹50,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.49% per month (41.88% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.49% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹400 to ₹5,000 transactions (Max ₹150/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Business Entity",
      "requirement": "Proprietorships, Partnerships, LLPs, Private Limited Companies, and Self-Employed"
    },
    {
      "criteria": "Documentation",
      "requirement": "GST Certificate, Udyam Registration, or Business ITR"
    },
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}