{
  "id": "au-laksya-credit-card",
  "locale": "hinglish",
  "name": "AU Laksya Credit Card",
  "bank": "AU Small Finance Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹1,000 + GST",
  "loungeAccess": "Har quarter 2 Complimentary Domestic Airport Lounge visits pichle month ₹20k spend par (Saal ke 8 visits)",
  "rewardsRate": "Grocery & Contactless par 5 Points / ₹100 · 8 Domestic Lounges · 4,000 Welcome Points",
  "bestFor": "Supermarket grocery, departmental stores, daily contactless tap-and-pay, BOGO movies aur airport lounges",
  "officialLink": "https://www.au.bank.in/personal-banking/credit-cards/laksya-credit-card",
  "aiVerdict": {
    "score": 3.2,
    "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-laksya-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/laksya-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 ₹2,00,000 retail spend exceed karne par annual fee waived",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹1,000 + GST (Waived on ₹2L spend)"
    },
    {
      "key": "Welcome Gift",
      "value": "4,000 Points ya ₹1,000 Brand Voucher"
    },
    {
      "key": "Grocery & Tap-to-Pay",
      "value": "5 Points / ₹100 (1.25% Return)"
    },
    {
      "key": "Airport Lounges",
      "value": "8 visits / year (2/qtr on ₹20k spend)"
    },
    {
      "key": "Movie Offer",
      "value": "Buy-1-Get-1 Free Movie Tickets"
    },
    {
      "key": "Xpress EMI",
      "value": "₹2k+ conversions par Zero Processing Fee"
    }
  ],
  "earnRates": [
    {
      "category": "Grocery, Departmental & Contactless Tap-to-Pay (5X)",
      "rate": "1.25% (5 Points / ₹100)",
      "monthlyCap": "5,000 Points / month",
      "perLakhSpent": "5,000 Points (₹1,250 value)"
    },
    {
      "category": "General Retail Spends",
      "rate": "0.25% (1 Point / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (₹250 value)"
    },
    {
      "category": "Utility Bills & Insurance",
      "rate": "0.25% (1 Point / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (₹250 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Grocery & Supermarkets",
      "multiplier": "5×",
      "rate": "1.25%",
      "monthlyCap": "5,000 Points",
      "dailyCap": "—",
      "note": "Departmental stores aur grocery outlets par 5 points per ₹100."
    },
    {
      "channel": "Contactless Tap-and-Pay",
      "multiplier": "5×",
      "rate": "1.25%",
      "monthlyCap": "5,000 Points",
      "dailyCap": "—",
      "note": "POS machines par ₹5,000 tak bina PIN ke tap-and-pay par 5 points per ₹100."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Gift Cards & Vouchers (AU Rewardz)",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Flight & Hotel Bookings",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Merchandise & Mobile Recharges",
      "value": "₹0.20 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "ATM cash withdrawals aur digital wallet loads.",
    "Disputed ya overdue transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,000 + GST (₹1,000 Welcome Voucher / 4,000 Points Included)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,000 + GST (Saal mein ₹2,00,000 spend par waived)",
      "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 ₹150/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "Salaried (21 se 60 saal), Self-Employed (25 se 65 saal)"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹30,000+ per month (Salaried) ya ₹4L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "720+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}