{
  "id": "au-au-zaggle-credit-card",
  "locale": "hinglish",
  "name": "AU Zaggle Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "Complimentary Domestic Airport Lounge access (1 visit per calendar quarter, max 4 visits/year)",
  "rewardsRate": "SaaS, Food & Cabs par 4X Points · 4 Domestic Lounges · 1% Fuel Surcharge Waiver",
  "bestFor": "Tech professionals, startup employees, remote workers, corporate expense filers aur urban commuters",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/zaggle-credit-card",
  "aiVerdict": {
    "score": 3.4,
    "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": 0.25,
  "affiliateId": "au-au-zaggle-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/zaggle-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": "Previous year mein ₹50,000 retail spend exceed karne par annual fee waived",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹499 + GST (Waived on ₹50k spend)"
    },
    {
      "key": "Food & Commute",
      "value": "Swiggy, Zomato, Uber & Ola par 4X Points"
    },
    {
      "key": "SaaS & Cloud",
      "value": "Software & Digital Subscriptions par 4X Points"
    },
    {
      "key": "Airport Lounges",
      "value": "1 complimentary domestic visit / quarter (4 visits/year)"
    },
    {
      "key": "Expense Management",
      "value": "Automated Zaggle app expense claim integration"
    },
    {
      "key": "Fuel Surcharge",
      "value": "₹400 se ₹5,000 par 1% waiver"
    }
  ],
  "earnRates": [
    {
      "category": "SaaS Tools, Food Delivery & Ride Cabs (4X)",
      "rate": "4 Points / ₹100 (1.00% value)",
      "monthlyCap": "Max 1,500 bonus points / month",
      "perLakhSpent": "4,000 Points (~₹1,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1 Point / ₹100 (0.25% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (~₹250 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Food Delivery & Ride Cabs",
      "multiplier": "4×",
      "rate": "4 Points / ₹100 (1.00%)",
      "monthlyCap": "1,500 bonus pts / month",
      "dailyCap": "—",
      "note": "Swiggy, Zomato, Uber aur Ola par 4 points per ₹100."
    },
    {
      "channel": "SaaS Tools & Digital Subscriptions",
      "multiplier": "4×",
      "rate": "4 Points / ₹100 (1.00%)",
      "monthlyCap": "1,500 bonus pts / month",
      "dailyCap": "—",
      "note": "Software tools, cloud hosting aur digital tools par 4 points per ₹100."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Shopping Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "400 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (sirf 1% surcharge waiver milega).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Saal mein ₹50,000 spend par waived)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.49% per month (41.88% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.49% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "₹400 se ₹5,000 ke transactions par 1% waiver (Max ₹150/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 se 65 saal"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹25,000+ per month (Salaried) ya ₹3.6L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "710+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}