{
  "id": "au-lit-credit-card",
  "locale": "en",
  "name": "Au Lit Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free Base Card)",
  "loungeAccess": "Customizable (4 visits / 90 days at ₹299 on-demand)",
  "rewardsRate": "Customizable 5% Cashback · Up to 10X Points · On-Demand Lounge for ₹299",
  "bestFor": "Customizable cashback categories, flexible airport lounges & zero base fee",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/lit-credit-card",
  "aiVerdict": {
    "score": 6.1,
    "summary": "Its strong reward rate and lifetime-free pricing offset limited lounge access.",
    "tradeOffs": [
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 5,
  "affiliateId": "au-lit-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/lit-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"
  ],
  "feeWaiver": "Lifetime Free (On-demand feature pricing)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Base Annual Fee",
      "value": "₹0 Lifetime Free"
    },
    {
      "key": "On-Demand Cashback",
      "value": "5% on chosen categories"
    },
    {
      "key": "Lounge Access",
      "value": "4 visits/90 days (₹299)"
    },
    {
      "key": "Reward Accelerators",
      "value": "Up to 10X points"
    },
    {
      "key": "Feature Duration",
      "value": "30 or 90 days toggle"
    },
    {
      "key": "Mobile App Control",
      "value": "AU 0101 dynamic switch"
    }
  ],
  "earnRates": [
    {
      "category": "Activated 5% Category Pack (Grocery/Dining/Travel)",
      "rate": "5.0% Cashback",
      "monthlyCap": "₹500 / 30-day block",
      "perLakhSpent": "₹5,000 (Capped at ₹500/mo)"
    },
    {
      "category": "Activated 10X Accelerated Reward Pack",
      "rate": "2.5% (10 RP / ₹100)",
      "monthlyCap": "Category Cap",
      "perLakhSpent": "10,000 RP (₹2,500 value)"
    },
    {
      "category": "Base Default Spends (No active pack)",
      "rate": "0.25% (1 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 RP (₹250 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Category 5% Cashback Pack",
      "multiplier": "5% Pack",
      "rate": "5.0%",
      "monthlyCap": "₹500 / 30 days",
      "dailyCap": "—",
      "note": "Costs ₹299 for 90 days in AU 0101 app."
    },
    {
      "channel": "Airport Lounge Pack",
      "multiplier": "Lounge Pack",
      "rate": "4 Lounge Visits",
      "monthlyCap": "4 visits / 90 days",
      "dailyCap": "—",
      "note": "Costs ₹299 for 90 days in AU 0101 app."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.25 / pt",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Credit (Cashback)",
      "value": "₹0.25 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel transactions (1% surcharge waiver applies on ₹400–₹5,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free Base Card)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free Base Card)"
    },
    {
      "item": "Feature Micro-Fees (Optional)",
      "value": "₹49 to ₹299 per 30/90-day feature pack"
    },
    {
      "item": "Forex Markup",
      "value": "3.49% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.59% / month",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹25,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}