AU Altura Credit Card
AU Small Finance Bank · ₹199 a year · fee waived on ₹40,000 of annual spend
A low-fee cashback card paying 2% on groceries and bills and 1% on the rest.
What AU Altura Credit Card really returns
On a typical ₹50,000 a month of card spend, with points counted as cashback, AU Altura Credit Card returns about ₹7,080 a year after its fee (1.18% of spend). That ranks 27 out of 260 cards SahiCard can score. Earns most on groceries (₹1,920) and online shopping (₹1,200). Put in your own spending to see your figure, with the working shown.
Best credit cards for ₹50,000 a month · All guides
Base rate: 1% cashback.
What the bank says
- 2% cashback on groceries, departmental stores and utility bills; 1% on other retail spends
- ₹50 extra cashback on ₹10,000 of retail spend in a statement cycle
- 8 complimentary railway lounge visits a year
- 1% fuel surcharge waiver, up to ₹100 a statement
- Annual fee ₹199, waived on ₹40,000 of retail spend in the previous year
Where it pays more
- 2% cashback on groceries, departmental stores and utility bill payments
Things that catch people out
- AU’s page does not state a monthly cap on the cashback, so none is applied. The ₹50 bonus is counted as ₹600 a year for someone who spends ₹10,000 every month.
- The 1% fuel surcharge waiver only offsets the surcharge and is not counted.
- Only retail spends count; AU’s terms leave out some categories.
Joining fee: ₹199.
Foreign currency markup: not published.
The facts
- Annual fee: ₹199
- Fee waived at: ₹40,000 of spend a year
- Domestic lounge visits: not published
- Minimum income: not published
Read from AU Small Finance Bank’s own page on 2026-10-06.
More from AU Small Finance Bank
All AU Small Finance Bank credit cards · All 538 cards · Which card pays you the most?