AU Altura Credit Card
AU Small Finance Bank
Annual Fee
₹199
Joining Fee
₹199 + GST
Base Reward
1% cashback
Foreign Markup
3.49% on all international spends.
Fee Waiver
Spend Rs. 10,000 in the first 90 days for a fee waiver. For an annual fee waiver, there should be spends of Rs. 40,000 or more in a year.
Interest Rate
3.49% per month
Product Highlights
- Cashback of 5% on retail spends within the first 60 days.
- Zero liability protection against a lost card.
Rewards
Cashback of 2% on utility bills, groceries, and departmental stores, and cashback of 1% on all other spends.
Redemption
N/A
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
utilities | 2%(2% CashBack) | No cap |
grocery | 2%(2% CashBack) | No cap |
shopping | 1%(1% CashBack) | No cap |
Benefits & Features
Domestic: 2 complimentary visits per quarter to railway lounges. (Available at selected locations including Kolkata, New Delhi, Ahmedabad, Jaipur, Agra, and Madurai.) Primary and add-on cardholders can enjoy complimentary lounge access.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
60 years
Available Networks
Pros & Cons
Pros
- Cashback of 2% on utility bills, groceries, and departmental stores.
- Surcharge waiver of 1% on fuel transactions.
Cons
- No cashback on fuel, rent, cash and wallet transactions.
- No airport lounge access.
Additional Info
The primary applicant should be an Indian resident.
The add-on applicant should be above the age of 18 years.
Maximum cashback of ₹150 every statement cycle on groceries, departmental stores, and utility bills.
Excluded Categories