AU Bank Altura Credit Card
AU Small Finance Bank · Visa · Entry card
A very low fee and reachable waiver make its 2% everyday categories useful for modest household budgets.
Budget-conscious users with grocery, utility and department-store spending.
Terms checked 24 Sept 2026
- Annual fee
- ₹199 + GST
- Joining fee
- ₹199 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Groceries & essentials | 2% |
| Bills & utilities | 2% |
| Online shopping | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Gold & jewellery | 1% |
| Insurance premiums | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹40,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 7 items
Grocery cashback
Usage-based value2% cashback on eligible grocery purchases.
Utility cashback
Usage-based value2% cashback on eligible utility payments.
Department-store cashback
Usage-based value2% cashback only when AU identifies the merchant as an eligible department store.
Conditions: 2% cashback only when AU identifies the merchant as an eligible department store.
Other eligible retail cashback
Usage-based value1% cashback on other eligible retail purchases.
2% cashback on eligible grocery, utility and department-store purchases
Shown without a cash value1% cashback on other eligible retail purchases
Shown without a cash value₹50 statement-cycle cashback bonus after ₹10,000 eligible retail spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹199₹199 annual fee before applicable tax.
Joining fee
Cost ₹199₹199 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹199Annual fee may be waived after ₹40,000 of eligible annual spending.
Conditions: Reach ₹40,000 eligible annual spending
Spend milestones · 1 item
₹50 cashback after ₹10,000 eligible statement-cycle spend
Recorded value ₹50Unlocked after ₹10,000 of eligible spending.
Conditions: Reach ₹10,000 per statement cycle
Airport lounge access · 2 items
Eight participating railway-lounge visits yearly, capped at two per calendar quarter
Shown without a cash valueEight railway-lounge visits yearly
Shown without a cash value
Insurance and protection · 2 items
Card Liability Cover
Shown without a cash valueDevice Protection Cover
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.49% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. AU publishes age, residency and underwriting criteria but no universal numeric income threshold for Altura.
Other benefits · 3 items
1% fuel-surcharge waiver on ₹400-₹5,000 fuel transactions, capped at ₹100 per statement cycle
Shown without a cash valueFirst-year fee waiver after ₹10,000 eligible retail spend within 90 days
Shown without a cash valueZero processing fee on eligible Xpress EMI conversion
Shown without a cash value
Other categories (9)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 2% cashback on eligible grocery, utility and department-store purchases
- ✓ 1% cashback on other eligible retail purchases
- ✓ ₹50 statement-cycle cashback bonus after ₹10,000 eligible retail spend
- ✓ Eight railway-lounge visits yearly
What to watch
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.
Recorded exclusions
Fuel Commute · Rent · Cash withdrawal · Emi · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
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Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026