AU Bank Altura Credit Card
AU Small Finance Bank · Cashback card · ₹199 annual fee
Fees & benefits
| Annual fee | ₹199 + GST — waived at ₹40,000/yr spend |
| Welcome benefit | None |
| Airport lounges | None |
| No rewards on | rent, wallet, fuel, government, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 2% cashback on grocery/departmental/utility | 2% | ₹50 | grocery, utility |
| 1% cashback on other spends | 1% | ₹50 | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
2% cashback on grocery/departmental/utility, 1% elsewhere, each capped Rs.50/statement cycle; fuel surcharge waiver.
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the AU Bank Altura Credit Card lifetime free?
No, the annual fee is ₹199 (plus GST), waived on spending ₹40,000 a year.
What is the highest reward rate on the AU Bank Altura Credit Card?
2% — 2% cashback on grocery/departmental/utility. Effective value depends on monthly caps; see the caveats on this page.
Does the AU Bank Altura Credit Card give airport lounge access?
No, the AU Bank Altura Credit Card does not include airport lounge access.