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| Feature | AU Small Finance Bank AU Bank Altura Credit Card | AU Small Finance Bank AU Bank Altura Plus Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | AU Small Finance Bank |
| Network | Visa | Visa |
| Annual fee | ₹199 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹40,000 annual spending | At ₹80,000 annual spending |
| Base reward rate | 1% | 0.3% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 2% · Utility cashback | 0.3% · Utility, telecom and insurance points |
| Groceries & essentials | 2% · Grocery cashback | 0.3% · Conservative other-spend points |
| Online shopping | 1% · Other eligible retail cashback | 0.5% · Online reward points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | Budget-conscious users with grocery, utility and department-store spending. | Offline retail shoppers seeking a low-fee cashback card. |
| Main trade-off | Department-store cashback requires the issuer merchant classification. The lounge benefit is for railway lounges, not airports, and AU fair-use charges may apply to high fuel, utility, rent, education or transport spend. | AU does not publish the current 1.5% cashback ceiling on the product page, so the engine conservatively values offline spend at the post-cap one-point rate. Railway lounges are not airport lounges. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
