AU Altura Credit Card
Card Details
Card Details
- Issuer
- AU Small Finance Bank
- Card type
- Entry-level
- Joining fee
- ₹199 + GST
- Annual fee
- ₹199 + GST
- Rewards currency
- Reward Points
Highlights
Highlights
- 2% cashback on groceries, utility bills & departmental stores
- 1% cashback on all other spends
- ₹50 monthly milestone cashback on ₹10,000 spends
Welcome, annual & renewal benefits
Welcome, annual & renewal benefits
- Joining/Annual Fee: ₹199 + GST.
- Fee waiver: spend ₹10,000 in first 90 days for joining fee waiver
- Spend ₹40,000+ in a year for annual fee waiver.
Reward earning
Reward earning
| Spend type | Earn rate |
|---|---|
| Groceries, Utility bills, Departmental stores | 2% cashback (capped at ₹50 per statement cycle) |
| All other spends | 1% cashback (capped at ₹50 per statement cycle) |
Milestone Benefits
Milestone Benefits
- ₹50 cashback every statement cycle on exceeding spends of ₹10,000.
Additional Benefits
Additional Benefits
- Railway lounge access: 2 complimentary visits per quarter at select stations.
- Fuel surcharge waiver: 1% on ₹400–₹5,000 (cap ₹100 per statement cycle).
- Forex markup: 3.49%.
Review
Review
This is an entry level card from AU bank with low annual fee. With such low rewards it is better to look at some life time free cards.