AU Altura Credit Card: Fees, Rewards & Benefits
Grocery card with lounge access
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The AU Altura is a tidy low-fee cashback card with grocery and utility boosts, 8 domestic lounge visits and an easy Rs. 40,000 fee waiver. The tight 50-point monthly caps on accelerated categories keep real earnings small, so it is best as an affordable everyday card rather than a high-return one.
Grocery card with lounge access
The Bottom Line
The AU Altura is built for grocery and bill spender and lounge-seeking budget user. With a ₹199 annual fee that is waived on ₹40,000 yearly spend, it offers 2% rewards on grocery and a welcome benefit worth ₹150. It makes the most sense if your spending matches grocery and bill spender and lounge-seeking budget user.
It earns a base reward rate of 1% and stacks best when your spending lines up with Grocery and bill spender, Lounge-seeking budget user. The renewal fee gets easier to justify once you can hit ₹40,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealA household that spends on groceries and utilities and wants straightforward cashback, with the Rs. 199 fee easily waived at Rs. 40,000.
Someone who values 8 domestic lounge visits on a low-fee card for occasional travel.
Probably not for
SkipThe 50-point monthly cap on accelerated grocery/utility cashback means high spenders quickly hit the ceiling.
Rent, BBPS and wallet loads earn nothing, so those categories deliver no value.
Is It Worth It For You?
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Reward Rates
AU Altura offers 1% basic reward rate.
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Welcome Offer
5% cashback on retail spends of INR 2,500 or more within 60 days of card issuance, capped at INR 150 per statement cycle.
Milestone Benefits
Additional INR 50 cashback on monthly retail spends of INR 10,000 or more in a statement cycle.
Renewal annual fee of INR 199 waived on retail spends of INR 40,000 in the previous anniversary year. First-year joining fee waived on retail spends of INR 10,000 within 90 days of card setup.
Fees & Charges
Eligibility
- Min Income: ₹5 Lakhs
- Min Credit Score: 750
- Resident Indian aged 21-60 (salaried) or 25-65 (self-employed); min gross monthly salary Rs 30K (salaried) or ITR Rs 5L (self-employed); CIBIL 750+.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Transactions
- Not eligible for cashback/reward points.
Cash Advances / Quasi Cash
- Not eligible for cashback/reward points.
BBPS / Wallet Loads
- Not eligible for cashback/reward points.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹199 annual fee. Apply on the AU Small Finance Bank website.
Apply on AU Small Finance Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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