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Credit Cards · India

AU Bank Altura Credit Card

Updated 3 Jul 2026Source-linked

The AU Bank Altura Credit Card is a entry credit card from AU Small Finance Bank, with a joining fee of ₹199 + GST.

It earns up to 2% on grocery departmental utility spends in the form of cashback.

Cardholders get 8 annual domestic airport lounge access.

AU Small Finance Bank logo
AU Bank Altura Credit Card
RuPay logo
  • Joining Fee₹199
  • Annual Fee₹199
  • Best Suited ForCashback
  • Reward TypeCashback
Rewards Rate
  • 2% on grocery departmental utility
  • Base 1.00% on other spends
Welcome Benefits
  • Not applicable
Data verified 3 Jul 2026 — see our methodology
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Rewards and Benefits

Rewards Rate
2% on grocery departmental utility
Base 1.00% on other spends.
Reward Redemption
Redeem at ₹1 per unit.
Welcome Benefits
N/A
Milestone Rewards
  • ₹10,000 / monthly: ₹50 cashback on ₹10,000 retail spend every statement cycle
Domestic Lounge Access
8 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Groceries₹160/mo

    You spend ₹8,000 · earns 2.0% = ₹160 uncapped

  • Utilities & bills₹100/mo

    You spend ₹5,000 · earns 2.0% = ₹100 uncapped

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.0% = ₹150/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹80/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.0% = ₹100/mo
Est.net rewards for this spend, realistic
₹7,080/yr

₹7,080 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹40,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.49%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • entry card issued by AU Small Finance Bank.
  • Joining / annual fee of ₹199 + GST, waived on annual spends of ₹40,000.
  • Available on the RuPay network.
  • Complimentary airport lounge access: domestic (8/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹40,000 spend.
  • Complimentary domestic airport lounge access (8/annual).
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 2% on grocery departmental utility
    2% cashback on groceries, departmental stores & utility spends; 1% on other retail.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi

Milestone benefits

  • ₹10,000 / monthly: ₹50 cashback on ₹10,000 retail spend every statement cycle (≈ ₹50 value)

Airport lounge access

Domestic
8 visit(s) / annual. Via rupay.
8 complimentary Railway Lounge visits per year (not airport lounges).

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹100 per monthly.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
700+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.
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