{
  "id": "au-kosmo-credit-card",
  "locale": "hinglish",
  "name": "AU Kosmo Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "No lounge access",
  "rewardsRate": "RuPay UPI par 2% Kiwi Cash · Online & POS par 1% · 1% Fuel Surcharge Waiver",
  "bestFor": "Daily RuPay UPI merchant QR payments, contactless tap-and-pay, local stores aur zero-fee cashback",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/kosmo-credit-card",
  "affiliateId": "au-kosmo-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/kosmo-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": "Lifetime Free (Koi annual spend requirement nahi)",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "key": "RuPay UPI Rewards",
      "value": "Kiwi App Scan & Pay par up to 2.0%"
    },
    {
      "key": "Online & POS Retail",
      "value": "Up to 1.0% Kiwi Cash Rewards"
    },
    {
      "key": "Surcharge Waiver",
      "value": "1% waiver on ₹400 to ₹5,000"
    },
    {
      "key": "Card Type",
      "value": "Virtual & Physical RuPay Credit Card"
    },
    {
      "key": "Contactless",
      "value": "Bina PIN ke ₹5,000 tak Tap-and-Pay"
    }
  ],
  "earnRates": [
    {
      "category": "RuPay UPI Merchant QR Scan & Pay (Kiwi App)",
      "rate": "Up to 2.0% Cashback",
      "monthlyCap": "₹500 / month",
      "perLakhSpent": "₹2,000 value"
    },
    {
      "category": "Online E-Commerce & POS Retail Spends",
      "rate": "0.50% to 1.0% Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹1,000 value"
    },
    {
      "category": "Utility Bills & Insurance",
      "rate": "0.50% Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹500 value"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Kiwi App UPI Scan & Pay",
      "multiplier": "—",
      "rate": "Up to 2.0%",
      "monthlyCap": "₹500 / month",
      "dailyCap": "—",
      "note": "Offline aur online merchant UPI QR codes par direct cash rewards."
    },
    {
      "channel": "Online E-Commerce Retail",
      "multiplier": "—",
      "rate": "Up to 1.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Amazon, Flipkart, Swiggy aur online checkouts par cashback."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Direct Bank Account Transfer (Kiwi App)",
      "value": "₹1.00 / Kiwi Cash",
      "minPoints": "₹1",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹1.00 / Kiwi Cash",
      "minPoints": "₹100",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Friends ya personal mobile numbers par P2P UPI transfers.",
    "ATM cash withdrawals aur digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.49% per month (41.88% per annum)",
      "warn": false
    },
    {
      "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 ₹100/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "Salaried (21 se 60 saal), Self-Employed (25 se 65 saal)"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹20,000+ per month (Salaried) ya ₹3L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "710+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}