Name: AU Bank Altura Credit Card
Brand: AU Small Finance Bank
Price: 199 INR
Rating: 3.5 (1 reviews)

AU Bank Altura Credit Card

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3.5 )

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The AU Small Finance Bank Altura Credit Card is tailored for individuals seeking practical benefits in their daily expenditures. It offers cashback on purchases at grocery and departmental stores, as well as utility bill payments, making it ideal for routine spenders. Cardholders enjoy complimentary railway lounge access, enhancing travel comfort. A notable feature is the card liability cover, providing zero liability on fraudulent transactions post-reporting. The card's USP lies in its blend of everyday cashback rewards and travel perks, catering to users who value both savings and convenience in their financial activities.

Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Rewards

Reward %

1% - 2%

Joining Fees

₹

199 Renewal Fees

199 APR

45%

Welcome Benefit

For 1st year fee waiver – Rs.10,000 retail spends done within 90 days of card set up For 2nd year onwards fee waiver – Rs. 40,000 retail spends done in previous card anniversary year

Renewal Benefits

USP's:

Cashback Features, Railway Lounges, Milestone Benefit

Fees & Charges

Joining & Renewal Fees

Rs199

Interest & Charges

Additional Charges

Rs.99 per redemption request.

Rewards

Milestone Benefits

Spend 10k per month to earn Rs.50 cashback per statement cycle

Exclusions

Education, Fuel, Government, Jewellery, Rent, Wallets

Rewards capping

Redemption modes

Brand Wallet

Brand Vouchers

Travel Booking

Experience

Additional Features

Lounge Benefits

Domestic Airport : No
International Airport : No
Railway Lounges : 2 Per Quarter

Insurance Benefits

None

Other Perks

None

Eligibility Criteria

Age

21Y

Min

65Y

Max

Credit Score

720+

Ex Min

Other: Card-to-card eligibility requirements.

Pros

Zero liability on fraudulent transactions post-reporting.

Low annual fee of Rs. 199 + applicable taxes.

Complimentary railway lounge access (2 visits per quarter).

2% cashback on grocery, departmental store purchases, and utility bill payments.

Cons

Foreign currency markup fee of 3.49% on international spends.

Limited to railway lounge access; no airport lounge benefits.

No cashback on fuel, rent, or wallet transactions.

Cashback capped at Rs. 50 per statement cycle for specific categories.

Terms and Conditions *

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★★★★★

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Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
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AU Bank Altura Credit Card

★★★★★

(3.5)

Best For: Shopping Bank: AU Small Finance Bank Network: Multiple Network

View Details Apply Now

Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Rewards	1% - 2%	₹199	For 1st year fee waiver – Rs.10,000 retail spends done within 90 days of card set up For 2nd y...	₹199	-	Shopping	Cashback Features, Railway Lounges, Milestone Benefit