AU Small Finance Bank
AU Altura Credit Card
Data last verified: 11 October 2026
- Joining fee₹199 + GST
- Annual fee₹199 + GST
- Reward rate1% base, up to 2% on groceries
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹199 + GST
- Annual fee₹199 + GST
- Fee waiverOn ₹40,000 spend a year
- Forex markup3.49%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
The Altura pays cashback, not points. You get 2% on groceries, utility bills and department stores, and 1% on other spends, with each cashback type capped at Rs 50 a statement cycle. Spend Rs 10,000 in a cycle and you get another Rs 50. It also gives 2 railway lounge visits a quarter.
It costs ₹199 a year and the fee is waived once you spend ₹40,000 in the year. That is one of the easiest waivers around, about Rs 3,500 a month.
It suits first-time users who want simple cashback with almost no cost. The catch is the small caps. Cashback tops out quickly, so it is a starter card, not a card for big spenders.
Best for: First-time card users, People who want simple cashback, Small monthly spenders.
01AU Altura Credit Card Rewards and Benefits
02AU Altura Credit Card Annual Fee and Charges
- Joining fee
- ₹199 + GST
- Annual fee
- ₹199 + GST
- Spend-based waiver
- Annual fee waived on ₹40,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.49%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹100 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on groceries, earning 2% capped₹50
- ₹15,000 on everything else, earning 1% capped₹50
- Back each month, ₹1,200 a year₹100
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹1,200
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Groceries: 2% back, up to ₹50 a month
- Utility bills: 2% back, up to ₹50 a month
- Spending ₹3,333 or more a month: the ₹235 fee is waived
- Flyers: some airport lounge visits a year
Skip it if…
- you spend less than ₹3,333 a month (₹40,000 a year, rent and wallet loads not counted): the ₹235 fee is then charged
- most of your spending is fuel, rent, education or wallet top-ups: those earn nothing on this card
- you rarely spend on groceries or utility bills: the 2% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹199 each
- Fee waived on ₹40,000 annual spend
- 2% cashback on groceries, utility bills and department stores
- 1% cashback on other spends
- Cashback caps of ₹50 a statement cycle
- ₹50 extra cashback on ₹10,000 spend in a cycle
05Pros and Cons
Pros
- Very low fee with an easy waiver
- Cashback, no points to track
- 2% on everyday essentials
- Railway lounge access
Cons
- Cashback capped at ₹50 a cycle per category
- Not worth it for big spenders
- 3.49% forex markup
06How AU Altura Credit Card earns Rewards
1% base, up to 2% on groceries. The normal rate is capped at ₹50 a month.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 2% | ₹50, shared with other bonus rates | All merchants in the categoryTerms: 2% cashback on grocery and departmental stores, the ₹50 per statement cycle cap is shared across grocery, departmental and utility spends |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 2% | ₹50, shared with other bonus rates | All merchants in the categoryTerms: 2% cashback on utility bills, the ₹50 per statement cycle cap is shared across grocery, departmental and utility spends; utility payments routed via BBPS earn nothing |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 1% | No cap | The card's normal rate |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% cashback on all other spends (capped ₹50 per statement cycle)
07AU Altura Credit Card Travel Benefits
Railway lounges: 8 visits a year. 2 complimentary railway lounge visits each quarter (8 a year), railway stations only, no airport lounge access. Spending abroad carries a 3.49% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 (max ₹100 per statement cycle)
- Milestone bonuses: ₹50 additional cashback on a minimum ₹10,000 retail spend in every statement cycle, annual equivalent up to ₹600 shown, can repeat each cycle
08AU Altura Credit Card Eligibility and Documents
- Age
- 21 to 65 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Jul 2026 | Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank | 1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 | 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000 |
| 14 Jun 2026 | Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank | No transportation fair-usage charge | 1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower |
| 10 Apr 2026 | Reduced: Transportation spends stop earning rewards | Transportation spends earned cashback | No rewards on transportation MCCs |
| 1 Apr 2023 | Reduced: Rent fee added; APR raised to 3.59%/moSource: AU Small Finance Bank | No rent processing fee | 1% rent fee (min ₹99+GST); APR 3.59% a month |
| 2021 | Changed: AU Altura launched | - | - |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to AU Altura Credit Card
AU Altura Credit Card is a grocery card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU Altura Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹199 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹199 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 1% base, up to 2% on groceries | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.49% | 1.99% | 3.5% |
| Type | Grocery | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your AU Altura Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹199 fee waived?
Yes, once you spend ₹40,000 in a year. Below that the fee plus GST is charged.
How much cashback can I earn?
2% on groceries, utility bills and department stores and 1% on other spends, each capped at ₹50 a statement cycle.
What is the joining fee for the AU Altura Credit Card?
The joining fee is ₹199 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU Altura Credit Card?
The annual fee is ₹199 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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