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AU Small Finance Bank
AU Altura Credit Card
Rewards
Cashback
1st Year Fee: ₹199* Plus Applicable Taxes
Shopping
2% cashback on grocery spends monthly
Travel
8 free railway lounge access yearly
Fuel
Save Rs. 1,200 every year on fuel transaction
Unlock 2% Savings on Groceries
Apply for AU Altura Credit Card now!
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About AU Altura Credit Card
AU Altura Credit Card offers basic cashback benefits and some travel perks. It has a joining and annual fee of Rs. 199 + taxes. The card offers 2% cashback on groceries, departmental store, and utility bill payments, capped at Rs. 50 per month, and 1% cashback on other retail spends, also capped at Rs. 50 per month. Besides this, the card also includes 8 complimentary railway lounge visits per year and a 1% fuel surcharge waiver on fuel transactions, saving up to Rs. 1,200 annually. Additionally, this card also offers milestone benefits that offer cashback when a minimum spend of Rs. 10,000 is met every month. Overall, this card is a suitable option for customers who want a card that offers cashback on day-to-day spends.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit AU Small Finance Bank’s website.
Key Features and Benefits
Cashback Benefits
- 2% cashback on groceries, departmental store and utility bill payments, capped at Rs. 50 per month
- 1% cashback on other retail spends, capped at Rs. 50 per month1
Railway Lounge Access
- 8 complimentary railway lounge visits yearly
Milestone Benefit
- Additional cashback of Rs. 50 on a minimum retail spend of Rs. 10,000 every month
Other Benefits
- Joining fee will be waived for a minimum retail spend of Rs. 10,000 within 90 days of card activation
- Annual fee will be waived for a minimum retail spend of Rs. 40,000 in the previous year
- 1% fuel surcharge waiver, up to Rs. 100 on minimum transaction between Rs. 400 to Rs. 5,000 on all fuel stations
AU Altura Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Rs. 199 + Taxes |
| Annual Fee | Rs. 199 + Taxes |
| Finance Charges | 3.75% per month (45% p.a.) |
| Late Payment Fee | 15% of Total Amount Due ( Minimum Rs. 10, Maximum Rs. 1,300) |
Things to Know Before you apply
Get this card if:
You travel frequently via railways and are seeking a card that offers railway lounge benefits
You spend frequently on groceries, departmental store and utility bill payments and want to earn cashback
You are looking for a card with a minimal joining and annual fee
Other similar cards
Paisabazaar Review
What do we like about this card?
AU Altura Credit Card is a beginner-friendly card and comes with a minimal joining and annual fee of Rs. 199. The card offers 2% cashback on grocery, department store, and utility bill payments, and 1% cashback on other retail spends. This card is also a decent choice for cardholders who frequently travel by rail, as it offers 8 complimentary railway lounge visits each year. Overall, this card is a suitable choice for consumers who are looking for a cashback card that helps to save on retail spends.
Pros
- 2% cashback on groceries, departmental store and utility bill payments
- 8 free railway lounge visits per year
- Minimal joining and annual fee of Rs. 199
Cons
- Low value back on milestone benefit
- 1% cashback is capped at Rs. 50 per month
- Do not offer airport lounge visits
Frequently Asked Questions
Everything you need to know about this credit card
AU Altura Credit Card has a joining fee and an annual fee of Rs. 199 plus applicable taxes. Fees can be waived if the minimum spending conditions of Rs. 10,000 for joining and Rs. 40,000 annually are met.
AU Altura Credit Card offers 2% cashback on groceries, departmental stores, and utility bill payments, capped at Rs. 50 per month, and 1% cashback on other retail spends, also capped at Rs. 50 per month. Additional cashback is available on milestone spending.
Cardholders receive 8 complimentary railway lounge visits per year. Add-on cardholders share these visits. There is no airport lounge access included with this card.
The card offers a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, with a maximum annual benefit of Rs. 1,200, applicable at all fuel stations.
This card is suitable for individuals with frequent grocery and utility expenses and railway travellers seeking lounge access. It is also beneficial for those seeking low joining and annual fees with basic cashback benefits.
Footnotes
- Add-on cardholders can also enjoy Railway Lounge access, included within the same 8 complimentary visits per year.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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