AU Small Finance Bank
AU Altura Credit Card
Annual Fee
₹235₹199 + GSTBase Reward
1% cashback
Foreign Markup
3.49% on all international spends.
Product Highlights
- Cashback of 5% on retail spends within the first 60 days.
- Zero liability protection against a lost card.
Category Rewards
grocery
2% on grocery, departmental, utility
2%
Specialty
2% on grocery, departmental, utility
2%
utilities
2% on grocery, departmental, utility
2%
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.
Reward Calculator
Earns ₹1,685/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
₹1.9K
direct cashback
₹1.9K
via direct credit
Effective rate
1.23%
Annual fee
₹235
Year 1 net
+₹1,685
Year 2+ net
+₹1,685
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per month · You spend ≈ ₹50K
₹50 milestone cashback
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
fuel, rent, wallet transfers, cash, education, government, bbps
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
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
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks
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.