{
  "id": "au-zenith-credit-card",
  "locale": "en",
  "name": "AU Zenith Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "premium",
  "cardTier": "super-premium",
  "annualFee": "₹7,999 + GST",
  "loungeAccess": "16 Domestic (4/qtr) + 8 International Priority Pass",
  "rewardsRate": "20 Points on Intl Dining · 10 Points Domestic Dining · 1.99% Forex · 24 Lounges",
  "bestFor": "International dining, global lounge access (24 visits/yr) & BookMyShow BOGO discounts",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/zenith-credit-card",
  "aiVerdict": {
    "score": 2.6,
    "summary": "Its modest reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹7999) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "au-zenith-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/zenith-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 ₹5,00,000 in previous anniversary year",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Intl Dining",
      "value": "20 RP / ₹100 (5.0%)"
    },
    {
      "key": "Domestic Dining",
      "value": "10 RP / ₹100 (2.5%)"
    },
    {
      "key": "Domestic Lounge",
      "value": "16 visits / year (4/qtr)"
    },
    {
      "key": "International Lounge",
      "value": "8 Priority Pass visits"
    },
    {
      "key": "Forex Markup",
      "value": "1.99% + GST"
    },
    {
      "key": "Annual Fee",
      "value": "₹7,999 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "International Dining & Restaurants",
      "rate": "5.0% (20 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "20,000 RP (₹5,000 value)"
    },
    {
      "category": "Domestic Dining & Standalone Restaurants",
      "rate": "2.5% (10 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 RP (₹2,500 value)"
    },
    {
      "category": "Groceries & Supermarkets",
      "rate": "1.25% (5 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 RP (₹1,250 value)"
    },
    {
      "category": "General Domestic Retail",
      "rate": "0.5% (2 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 RP (₹500 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "International Dining",
      "multiplier": "10×",
      "rate": "5.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "20 RP per ₹100 overseas."
    },
    {
      "channel": "Quarterly Milestones (₹2L spend)",
      "multiplier": "Bonus",
      "rate": "10,000 Bonus RP",
      "monthlyCap": "40,000 RP / year",
      "dailyCap": "—",
      "note": "Worth ₹10,000 annually."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flight & Hotel Bookings on AU Rewardz",
      "value": "₹0.25 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Gift Cards",
      "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 loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹7,999 + GST (10,000 points welcome bonus)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹7,999 + GST (Waived at ₹5 Lakh spend)"
    },
    {
      "item": "Forex Markup",
      "value": "1.99% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "2.99% / month (35.88% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹1.5 Lakhs+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹18 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}