AU Altura Credit Card
AU Small Finance Bank · Open to apply
An entry cashback card with 2% on groceries, departmental stores and utility bills and 1% on other retail spends, each capped at ₹50 cashback a statement, and a ₹50 monthly bonus on ₹10,000 of spend. The ₹199 fee is waived on ₹10,000 of spend in the first 90 days and ₹40,000 a year after.
- Annual fee
- ₹199 + GST a year
- Joining fee
- ₹199 + GST
- Fee waiver
- Annual fee waived on ₹40,000 spend per card year
- Base rate
- Other retail spends, 1% cashback (up to ₹50 a statement): 1% cashback (about 1% at cash value)
- Lounges
- Railway: 8 visits a calendar year
- Forex markup
- 3.49%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Utility bills, 2% cashback (up to ₹50 a statement): 2% cashback (about 2% at cash value)
- Groceries and departmental stores, 2% cashback (up to ₹50 a statement): 2% cashback (about 2% at cash value)
Earns nothing on
- No cashback on fuel, rent, wallet, cash, education, government and BBPS
Terms the calculator does not value
- The page gives a ₹50 cap for the 2% rate and a ₹50 cap for the 1% rate, each "per statement cycle"; whether they are separate or one combined ₹50 is not clear. They are entered as two caps. Past a cap the spend earns nothing.
- BBPS earns nothing but has no category here and cannot be told apart.
Sources
- AU Small Finance Bank: Altura credit card page (Product page, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank MITC with schedule of charges, version 2.23 (2 Nov 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Key Fact Statement V-1.9 (2 Nov 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Credit Card Member Agreement, section 22 Rewards program (16 May 2026) (Reward terms, the bank's own, read 6 Nov 2026)