{
  "id": "au-altura-credit-card",
  "locale": "hi",
  "name": "Au Altura Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹199 + GST",
  "loungeAccess": "8 रेलवे लाउंज / वर्ष (2/तिमाही)",
  "rewardsRate": "ग्रॉसरी व यूटिलिटीज पर 2% · अन्य खर्च पर 1% · 8 रेलवे लाउंज",
  "bestFor": "ग्रॉसरी, यूटिलिटी बिल भुगतान और रेलवे एग्जीक्यूटिव लाउंज",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/altura-credit-card",
  "aiVerdict": {
    "score": 5,
    "summary": "Its modest reward rate and low annual fee offset limited 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-altura-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/altura-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": "पिछले वर्ष में ₹40,000 से अधिक खुदरा खर्च करने पर वार्षिक शुल्क माफ",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "ग्रॉसरी व यूटिलिटीज",
      "value": "2% कैशबैक"
    },
    {
      "key": "अन्य सभी खर्च",
      "value": "1% कैशबैक"
    },
    {
      "key": "रेलवे लाउंज",
      "value": "8 विज़िट / वर्ष (2/तिमाही)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹199 + GST"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹40,000 सालाना खर्च"
    },
    {
      "key": "मासिक माइलस्टोन",
      "value": "₹10k खर्च पर ₹50 बोनस"
    }
  ],
  "earnRates": [
    {
      "category": "ग्रॉसरी, सुपरमार्केट व यूटिलिटीज",
      "rate": "2.0% Cashback",
      "monthlyCap": "₹50 / माह",
      "perLakhSpent": "₹2,000 (अधिकतम ₹50/माह)"
    },
    {
      "category": "सामान्य घरेलू रिटेल खर्च",
      "rate": "1.0% Cashback",
      "monthlyCap": "₹50 / माह",
      "perLakhSpent": "₹1,000 (अधिकतम ₹50/माह)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "ग्रॉसरी व यूटिलिटी बिल",
      "multiplier": "2×",
      "rate": "2.0%",
      "monthlyCap": "₹50 / माह",
      "dailyCap": "—",
      "note": "मर्चेंट MCCs पर 2% कैशबैक।"
    },
    {
      "channel": "मासिक खर्च माइलस्टोन (₹10,000 खर्च)",
      "multiplier": "Milestone",
      "rate": "₹50 बोनस कैशबैक",
      "monthlyCap": "₹50 / माह (₹600/वर्ष)",
      "dailyCap": "—",
      "note": "कैलेंडर माह में ₹10k खर्च करने पर।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ऑटो स्टेटमेंट क्रेडिट",
      "value": "₹1.00 प्रति ₹1.00 कैशबैक",
      "minPoints": "₹0 (ऑटो-क्रेडिट)",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (सरचार्ज माफी लागू)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹199 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹199 + GST (₹40,000 खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.5% प्रति माह",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹20,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2.5 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}