{
  "id": "au-lit-credit-card",
  "locale": "hi",
  "name": "Au Lit Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0 (लाइफटाइम फ्री बेस कार्ड)",
  "loungeAccess": "कस्टमाइज़ेबल (ऑन-डिमांड ₹299 में 4 विज़िट / 90 दिन)",
  "rewardsRate": "कस्टमाइजेबल 5% कैशबैक · 10X तक रिवॉर्ड पॉइंट्स · ₹299 में ऑन-डिमांड लाउंज",
  "bestFor": "कस्टमाइज़ेबल कैशबैक श्रेणियां, लचीला एयरपोर्ट लाउंज और शून्य बेस फीस",
  "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": "आजीवन मुफ्त (मांग अनुसार फीचर सक्रियण)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "बेस वार्षिक शुल्क",
      "value": "₹0 लाइफटाइम फ्री"
    },
    {
      "key": "ऑन-डिमांड कैशबैक",
      "value": "पसंदीदा श्रेणियों पर 5%"
    },
    {
      "key": "लाउंज एक्सेस",
      "value": "4 विज़िट/90 दिन (₹299)"
    },
    {
      "key": "रिवॉर्ड एक्सेलरेटर",
      "value": "10X पॉइंट्स तक"
    },
    {
      "key": "फीचर अवधि",
      "value": "30 या 90 दिन का टॉगल"
    },
    {
      "key": "मोबाइल ऐप कंट्रोल",
      "value": "AU 0101 डायनामिक स्विच"
    }
  ],
  "earnRates": [
    {
      "category": "एक्टिव 5% कैशबैक पैक (ग्रॉसरी/डाइनिंग/ट्रैवल)",
      "rate": "5.0% Cashback",
      "monthlyCap": "₹500 / 30-दिन ब्लॉक",
      "perLakhSpent": "₹5,000 (अधिकतम ₹500/माह)"
    },
    {
      "category": "एक्टिव 10X रिवॉर्ड पैक",
      "rate": "2.5% (10 RP / ₹100)",
      "monthlyCap": "कैटेगरी कैप",
      "perLakhSpent": "10,000 RP (₹2,500 value)"
    },
    {
      "category": "डिफ़ॉल्ट बेस खर्च (कोई पैक सक्रिय नहीं)",
      "rate": "0.25% (1 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "1,000 RP (₹250 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "5% कैशबैक पैक",
      "multiplier": "5% Pack",
      "rate": "5.0%",
      "monthlyCap": "₹500 / 30 दिन",
      "dailyCap": "—",
      "note": "AU 0101 ऐप में 90 दिनों के लिए ₹299 लागत।"
    },
    {
      "channel": "एयरपोर्ट लाउंज पैक",
      "multiplier": "Lounge Pack",
      "rate": "4 लाउंज विज़िट्स",
      "monthlyCap": "4 विज़िट / 90 दिन",
      "dailyCap": "—",
      "note": "AU 0101 ऐप में 90 दिनों के लिए ₹299 लागत।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹0.25 / पॉइंट",
      "minPoints": "500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "स्टेटमेंट क्रेडिट (कैशबैक)",
      "value": "₹0.25 / पॉइंट",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹0 (लाइफटाइम फ्री बेस कार्ड)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹0 (लाइफटाइम फ्री बेस कार्ड)"
    },
    {
      "item": "फीचर माइक्रो-शुल्क (वैकल्पिक)",
      "value": "₹49 से ₹299 प्रति 30/90-दिन पैक"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.49% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.59% प्रति माह",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹25,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹3 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}