{
  "id": "au-vetta-credit-card",
  "locale": "hi",
  "name": "Au Vetta Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "shopping",
  "cardTier": "mid",
  "annualFee": "₹2,999 + GST",
  "loungeAccess": "4 घरेलू लाउंज/वर्ष (1/तिमाही) + 8 रेलवे लाउंज",
  "rewardsRate": "ग्रॉसरी पर 4 रिवॉर्ड पॉइंट्स / ₹100 · सामान्य पर 2 पॉइंट्स · 4 एयरपोर्ट व 8 रेलवे लाउंज",
  "bestFor": "सुपरमार्केट ग्रॉसरी, डिपार्टमेंटल खरीदारी और रेलवे एग्जीक्यूटिव लाउंज",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/vetta-credit-card",
  "aiVerdict": {
    "score": 2.5,
    "summary": "Its modest reward rate offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹2999) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "au-vetta-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/vetta-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 ₹1,50,000 से अधिक खुदरा खर्च करने पर वार्षिक शुल्क माफ",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "ग्रॉसरी व स्टोर्स",
      "value": "4 RP / ₹100 (1.0%)"
    },
    {
      "key": "बेस रिटेल खर्च",
      "value": "2 RP / ₹100 (0.5%)"
    },
    {
      "key": "घरेलू लाउंज",
      "value": "4 विज़िट / वर्ष (1/तिमाही)"
    },
    {
      "key": "रेलवे लाउंज",
      "value": "8 विज़िट / वर्ष (2/तिमाही)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹2,999 + GST"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹1.5 लाख सालाना खर्च"
    }
  ],
  "earnRates": [
    {
      "category": "ग्रॉसरी और डिपार्टमेंटल स्टोर्स",
      "rate": "1.0% (4 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "4,000 RP (₹1,000 value)"
    },
    {
      "category": "सामान्य घरेलू रिटेल खर्च",
      "rate": "0.5% (2 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,000 RP (₹500 value)"
    },
    {
      "category": "यूटिलिटी व बीमा",
      "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": "ग्रॉसरी व डिपार्टमेंटल स्टोर्स",
      "multiplier": "2×",
      "rate": "1.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "प्रति ₹100 खर्च पर 4 RP।"
    },
    {
      "channel": "वार्षिक माइलस्टोन (₹2.5 लाख खर्च)",
      "multiplier": "Milestone",
      "rate": "₹1,000 Voucher",
      "monthlyCap": "वार्षिक लक्ष्य",
      "dailyCap": "—",
      "note": "शॉपिंग या डाइनिंग गिफ्ट वाउचर।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹0.25 / पॉइंट",
      "minPoints": "500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "फ्लाइट और होटल बुकिंग",
      "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": "₹2,999 + GST (₹2,000 का वेलकम वाउचर)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹2,999 + GST (₹1.5 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.49% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.49% प्रति माह",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹50,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹6 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}