{
  "id": "au-prathama-credit-card",
  "locale": "en",
  "name": "AU Prathama Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹100 + GST",
  "loungeAccess": "Not Included (Optimized for financial inclusion, first-time credit building & daily micro-retail)",
  "rewardsRate": "1 Reward Point / ₹100 on retail · 500 Bonus Points on ₹10,000 spend · 1% Fuel Surcharge Waiver",
  "bestFor": "First-time cardholders, rural & semi-urban consumers, credit score builders, and entry-level earners",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/prathama-credit-card",
  "affiliateId": "au-prathama-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/prathama-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": "Waived on annual retail spends exceeding ₹15,000 in previous anniversary year",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "key": "Minimum Income",
      "value": "₹10,000 / month (Low threshold for financial inclusion)"
    },
    {
      "key": "Joining Fee",
      "value": "₹0 (Zero setup charges)"
    },
    {
      "key": "Milestone Bonus",
      "value": "500 Bonus Reward Points on ₹10,000 quarterly spend"
    },
    {
      "key": "Credit Builder",
      "value": "Reports monthly repayment to CIBIL, Experian & CRIF"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹400 to ₹5,000"
    }
  ],
  "earnRates": [
    {
      "category": "Retail Purchases & Grocery",
      "rate": "1 Point / ₹100 (0.25% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (~₹250 value)"
    },
    {
      "category": "Quarterly Milestone Spends (₹10,000)",
      "rate": "500 Bonus Points / Quarter",
      "monthlyCap": "Max 500 bonus points / quarter",
      "perLakhSpent": "2,000 Bonus Points (~₹500 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Quarterly Retail Milestone",
      "multiplier": "2×",
      "rate": "500 Bonus Points",
      "monthlyCap": "500 pts / quarter",
      "dailyCap": "—",
      "note": "500 bonus points on reaching ₹10,000 retail spends in a calendar quarter."
    },
    {
      "channel": "Regular Retail Spends",
      "multiplier": "1×",
      "rate": "1 Point / ₹100 (0.25%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "1 point per ₹100 across all retail stores."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Mobile Recharges & Bill Payments",
      "value": "₹0.25 / Reward Point",
      "minPoints": "200 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Shopping Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "400 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (100% Lifetime Free)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)",
      "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 ₹100/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 60 years"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹10,000+ per month (Salaried) or basic agricultural / trade income"
    },
    {
      "criteria": "Credit History",
      "requirement": "No prior credit history required (Ideal for New-To-Credit applicants)"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}