{
  "id": "au-zenith-plus-credit-card",
  "locale": "en",
  "name": "AU Zenith Plus Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹4,999 + GST",
  "loungeAccess": "16 Domestic Lounges (4/qtr) + 16 International Lounges (4/qtr with Priority Pass)",
  "rewardsRate": "0.99% Forex Markup · 32 Airport Lounges · Taj Epicure Membership on ₹12,00,000 Spend",
  "bestFor": "Ultra-frequent flyers, luxury hotel stays (Taj Epicure), low forex markup (0.99%), and international travel",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/zenith-plus-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 (₹4999) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "au-zenith-plus-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-plus-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 ₹8,00,000 in previous anniversary year",
  "networks": [
    "Visa",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Foreign Currency Markup",
      "value": "0.99% + GST (Industry-Leading Low)"
    },
    {
      "key": "Welcome Gift",
      "value": "₹5,000 Brand Voucher / 5,000 Points"
    },
    {
      "key": "Luxury Hospitality",
      "value": "Taj Epicure on ₹12L annual net retail spend"
    },
    {
      "key": "Airport Lounges",
      "value": "32 visits / year (16 Domestic + 16 Intl)"
    },
    {
      "key": "Dining & Travel Spends",
      "value": "2 Points / ₹100 (1.0% Return)"
    },
    {
      "key": "Annual Fee",
      "value": "₹4,999 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Dining, Travel & International Spends",
      "rate": "1.0% (2 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (₹1,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "0.50% (1 Point / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (₹500 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "International Spends",
      "multiplier": "2×",
      "rate": "1.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "2 points per ₹100 on all foreign currency merchant transactions."
    },
    {
      "channel": "Dining & Travel Bookings",
      "multiplier": "2×",
      "rate": "1.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "2 points per ₹100 on airline tickets, luxury hotels, and dining."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flight & Hotel Bookings",
      "value": "₹0.50 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Luxury Brand Vouchers",
      "value": "₹0.50 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel transactions (eligible for 1% surcharge waiver up to ₹1,000/cycle).",
    "Cash advance withdrawals and digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹4,999 + GST (Includes ₹5,000 Welcome Voucher)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹4,999 + GST (Waived on ₹8,00,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "2.99% per month (35.88% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "0.99% + GST (Ultra-Low)",
      "warn": false
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹400 to ₹5,000 transactions (Max ₹1,000/cycle)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "Salaried (21 to 60 years), Self-Employed (25 to 65 years)"
    },
    {
      "criteria": "Minimum Monthly Net Income",
      "requirement": "₹2,50,000+ per month (Salaried) or ₹30L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "760+ recommended for metal tier issuance"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}