{
  "id": "au-altura-plus-credit-card",
  "locale": "hinglish",
  "name": "AU Altura Plus Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "Har quarter 2 Complimentary Railway Lounge visits (Saal ke 8 visits)",
  "rewardsRate": "Offline retail par 1.5% Cashback · Online shopping par 2X Points · 8 Railway Lounges",
  "bestFor": "Offline local store shopping, frequent train travelers aur monthly milestone spenders",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/altura-plus-credit-card",
  "aiVerdict": {
    "score": 4,
    "summary": "Its modest reward rate and low annual fee offset the lack of 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": 1.5,
  "affiliateId": "au-altura-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/altura-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": "Previous year mein ₹80,000 retail spend exceed karne par annual fee waived",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Offline Retail Cashback",
      "value": "1.5% Direct Cashback"
    },
    {
      "key": "Online Spends",
      "value": "2X (2 Points / ₹100 = 0.50%)"
    },
    {
      "key": "Railway Lounges",
      "value": "8 visits / year (2 per quarter)"
    },
    {
      "key": "Monthly Milestone",
      "value": "500 Points on ₹20,000 monthly spend"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹80,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹499 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Offline Retail Purchases (Cashback)",
      "rate": "1.5% Cashback",
      "monthlyCap": "₹100 / month",
      "perLakhSpent": "₹100 (Capped)"
    },
    {
      "category": "Online E-Commerce Spends (2X)",
      "rate": "0.50% (2 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "500 Points (₹125 value)"
    },
    {
      "category": "Baaki Sabhi Domestic Retail Spends",
      "rate": "0.25% (1 Point / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "250 Points (₹62.50 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Offline POS Retail",
      "multiplier": "1.5%",
      "rate": "1.5%",
      "monthlyCap": "₹100 / month",
      "dailyCap": "—",
      "note": "Merchant card swipe par 1.5% direct cashback."
    },
    {
      "channel": "Online Shopping",
      "multiplier": "2×",
      "rate": "0.50%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Internet transactions par 2 points per ₹100."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Direct Statement Cashback",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Catalog",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel spends (sirf 1% surcharge waiver milega).",
    "Cash advance withdrawals aur digital wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST (Pehle 90 dino mein ₹20,000 spend par waived)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Saal mein ₹80,000 spend par waived)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.59% per month (43.08% per annum)",
      "warn": true
    },
    {
      "item": "Forex Markup Fee",
      "value": "3.49% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "₹400 se ₹5,000 ke transactions par 1% waiver (Max ₹150/cycle)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "Salaried (21 se 60 saal), Self-Employed (25 se 65 saal)"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹25,000+ per month (Salaried) ya ₹3.5L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "720+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}