AU Small Finance BankAU Bank Altura Credit Card
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AU Small Finance Bank
AU Bank Altura Credit Card
3.8 / 5visa · mastercard
- Joining fee
- ₹199
- Annual fee
- ₹199
- Base reward
- 1%
- Min income
- —
- Forex markup
- 3.49%
- Interest p.a.
- 41.88%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Groceries | 2% | ₹50 |
| Utilities & bills | 2% | ₹50 |
Benefits
- ▸2% cashback on groceries/departmental stores/utilities (cap Rs 50/cycle); 1% on other retail spends (cap Rs 50/cycle)
- ▸Rs 50 bonus cashback on Rs 10,000 spend per statement cycle
- ▸No cashback on fuel, rent, cash or wallet transactions
- ▸1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000
The good
- + Very low Rs 199 fee, easily waived on Rs 40,000 annual spend
- + Direct cashback on everyday grocery and utility spends
- + Railway lounge access uncommon at this fee tier
The catch
- − Cashback hard-capped at just Rs 50 per cycle per category
- − No airport lounge access; only railway lounges
- − 3.49% forex markup
- − Fuel, rent and wallet loads excluded from cashback