{
  "id": "au-zenith-credit-card",
  "locale": "hi",
  "name": "AU Zenith Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "premium",
  "cardTier": "super-premium",
  "annualFee": "₹7,999 + GST",
  "loungeAccess": "16 घरेलू लाउंज (4/तिमाही) + 8 अंतरराष्ट्रीय प्रायोरिटी पास",
  "rewardsRate": "विदेशी डाइनिंग पर 20 पॉइंट्स · घरेलू डाइनिंग पर 10 पॉइंट्स · 1.99% फॉरेक्स · 24 लाउंज",
  "bestFor": "अंतरराष्ट्रीय डाइनिंग, वैश्विक लाउंज (सालाना 24 विज़िट) और मूवी BOGO",
  "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": "पिछले वर्ष में ₹5,00,000 से अधिक खुदरा खर्च करने पर वार्षिक शुल्क माफ",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "विदेशी डाइनिंग",
      "value": "20 RP / ₹100 (5.0%)"
    },
    {
      "key": "घरेलू डाइनिंग",
      "value": "10 RP / ₹100 (2.5%)"
    },
    {
      "key": "घरेलू लाउंज",
      "value": "16 विज़िट / वर्ष (4/तिमाही)"
    },
    {
      "key": "विदेशी लाउंज",
      "value": "8 प्रायोरिटी पास विज़िट"
    },
    {
      "key": "फॉरेक्स मार्कअप",
      "value": "1.99% + GST"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹7,999 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "अंतरराष्ट्रीय डाइनिंग और रेस्टोरेंट्स",
      "rate": "5.0% (20 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "20,000 RP (₹5,000 value)"
    },
    {
      "category": "घरेलू डाइनिंग और रेस्टोरेंट्स",
      "rate": "2.5% (10 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "10,000 RP (₹2,500 value)"
    },
    {
      "category": "ग्रॉसरी और सुपरमार्केट",
      "rate": "1.25% (5 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "5,000 RP (₹1,250 value)"
    },
    {
      "category": "सामान्य घरेलू रिटेल",
      "rate": "0.5% (2 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,000 RP (₹500 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "अंतरराष्ट्रीय डाइनिंग",
      "multiplier": "10×",
      "rate": "5.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "विदेशी रेस्टोरेंट्स पर प्रति ₹100 पर 20 RP।"
    },
    {
      "channel": "तिमाही माइलस्टोन (₹2 लाख खर्च)",
      "multiplier": "Bonus",
      "rate": "10,000 Bonus RP",
      "monthlyCap": "40,000 RP / वर्ष",
      "dailyCap": "—",
      "note": "सालाना ₹10,000 मूल्य के पॉइंट्स।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "AU Rewardz पर फ्लाइट व होटल बुकिंग",
      "value": "₹0.25 / पॉइंट",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "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": "₹7,999 + GST (10,000 पॉइंट्स वेलकम बोनस)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹7,999 + GST (₹5 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "1.99% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "2.99% प्रति माह (35.88% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹1.5 लाख+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹18 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}