HomeCredit CardsAU Altura Credit Card
AU Altura Credit Card

AU Small Finance Bank

AU Altura Credit Card

visabasiccreditshopping

Annual Fee

₹199

Base Reward

1% cashback

Foreign Markup

3.49% on all international spends.

4.5/5

Product Highlights

  • Cashback of 5% on retail spends within the first 60 days.
  • Zero liability protection against a lost card.

Category Rewards

utilities

2% CashBack

2%

grocery

2% CashBack

2%

shopping

1% CashBack

1%

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.

Rewards Details

Cashback of 2% on utility bills, groceries, and departmental stores, and cashback of 1% on all other spends.

Redemption

N/A

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.

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

fuelrent

Fees & Charges

Annual Fee₹199
Joining Fee₹199 + GST
Fee WaiverSpend 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.
Foreign Markup3.49% on all international spends.
Interest Rate3.49% per month
Cash Advance₹100 or 2.5% of the cash amount withdrawn, higher of the two.

Eligibility

Min Age

21 yrs

Networks

visa