AU Bank Altura Credit Card
AU Small Finance Bank · Visa
Why this card?
- 2% cashback on groceries and bills and recharges, up to ₹50 a month; 1% on other spends
- ₹199 joining and annual fee; renewal fee waived on ₹40,000 yearly spend
- 8 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- AU Small Finance Bank
- Network
- Visa
- Annual Fee
- ₹199
- Joining Fee
- ₹199
- Reward Type
- cashback
- Best Reward Rate
- 2% on groceries (capped at ₹50/month)
- Forex Markup
- 3.49%
- Domestic Lounge
- 8/yr
- Min. Monthly Income
- ₹12,000
- Rates verified
- 2026-10-06
Our verdict
AU Bank Altura is an accessible entry-level cashback card from AU Small Finance Bank — 2% cashback on grocery, departmental store and utility spends and 1% on other retail spends, but cashback is capped at ₹50 per statement cycle. The ₹199 fee is low but the cap is restrictive; it's best suited to low-income applicants or those building a credit history with AU Bank.
Pros
- 2% cashback on grocery, departmental store and utility spends (₹50 per cycle cap)
- Low ₹199 annual fee
- Low income eligibility (₹12,000/month) — accessible to more applicants
- Fee waived at ₹40,000 annual spend — easy to achieve
- 8 railway lounge visits a year
Cons
- ₹50 per statement cycle cashback cap — limits upside for heavy spenders
- 1% cashback on other retail spends is below average
- No airport lounge, travel or premium benefits — strictly basic