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AU Bank Altura Credit Card

AU Bank Altura Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
AU Bank Visa Entry

Annual Fee

₹199

Base Rate

1.0%

Reward Type

Cashback

Overview

The AU Bank Altura Credit Card is a Entry credit card issued by AU Bank on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Cashback.

Annual Fee: ₹199
Eligibility: Age: 21-60 years (Salaried), 25-65 years (Self-employed). Indian Resident. Good CIBIL score (e.g., 720+).

Reward Rates & Cashback Rules

  • CATEGORY – Grocery: 2.0% cashback | monthly cap ₹50.0 ⚠️ The ₹50 monthly cap is shared across Grocery, Departmental Stores, and Utility Bills.
  • CATEGORY – Departmental Store: 2.0% cashback | monthly cap ₹50.0 ⚠️ The ₹50 monthly cap is shared across Grocery, Departmental Stores, and Utility Bills.
  • CATEGORY – Utilities: 2.0% cashback | monthly cap ₹50.0 ⚠️ The ₹50 monthly cap is shared across Grocery, Departmental Stores, and Utility Bills.
  • CATEGORY – Retail: 1.0% cashback | monthly cap ₹50.0 ⚠️ Applies to all retail spends not covered by 2% categories.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback

Key Features & Benefits

  • Railway Lounge Access 🚆: 2 complimentary railway lounge visits per calendar quarter.
  • Fuel Surcharge Waiver ⛽: 1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹100 per statement cycle.
  • Milestone Cashback 🏆: Get an additional ₹50 cashback on completing a minimum of ₹10,000 in retail spends in a statement cycle.
  • Welcome Benefit 🎉: 5% cashback (up to ₹150) on retail spends of at least ₹2,500 within the first 60 days of card setup.

Eligibility Criteria

Age: 21-60 years (Salaried), 25-65 years (Self-employed). Indian Resident. Good CIBIL score (e.g., 720+).

Features & Benefits

🚆

Railway Lounge Access

2 complimentary railway lounge visits per calendar quarter.

⛽

Fuel Surcharge Waiver

1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹100 per statement cycle.

🏆

Milestone Cashback

Get an additional ₹50 cashback on completing a minimum of ₹10,000 in retail spends in a statement cycle.

🎉

Welcome Benefit

5% cashback (up to ₹150) on retail spends of at least ₹2,500 within the first 60 days of card setup.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Grocery
Reward: 2.0% Monthly Cap: ₹50.0
⚠️ Exceptions: The ₹50 monthly cap is shared across Grocery, Departmental Stores, and Utility Bills.
2%
Departmental Stores
Reward: 2.0% Monthly Cap: ₹50.0
⚠️ Exceptions: The ₹50 monthly cap is shared across Grocery, Departmental Stores, and Utility Bills.
2%
Utilities
Reward: 2.0% Monthly Cap: ₹50.0
⚠️ Exceptions: The ₹50 monthly cap is shared across Grocery, Departmental Stores, and Utility Bills.
2%
Retail
Reward: 1.0% Monthly Cap: ₹50.0
⚠️ Exceptions: Applies to all retail spends not covered by 2% categories.
1%
Fuel Exclusion
Rent Exclusion
EMI Exclusion
Wallet Load Exclusion

Value Chart

Assuming basic spends for AU Bank Altura Credit Card

Category AU Bank Altura Credit Card Axis Bank Neo Credit Card LIC Axis Bank Platinum Credit Card Axis Bank Kwik Credit Card
₹
Joining Fee 		₹199 ₹0 ₹0 ₹0
₹
Annual Fee 		₹199
Annual fee waived on ₹40,000 annual spends; Joining fee waived on ₹10,000 spends in first 90 days.
 ₹250 ₹0 ₹0
🌍
Forex Markup 		3.49% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 0.5% 1.0% 1.0%
★
Known Rules 		8 rules 11 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + Grocery — 2.0% Cashback (cap ₹50.0)
  • + Departmental Stores — 2.0% Cashback (cap ₹50.0)
  • + Utilities — 2.0% Cashback (cap ₹50.0)
  • + Retail — 1.0% Cashback (cap ₹50.0)
  • + Railway Lounge Access
  • + Fuel Surcharge Waiver
  • + Milestone Cashback
  • + Welcome Benefit
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on EMI
  • − No reward on Wallet Load
  • −Forex markup of 3.49% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹199

Net Value

+₹2801

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.49% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The annual fee is ₹199 + GST. This fee is waived if you spend ₹40,000 or more in the preceding year.

You can earn 2% cashback on groceries, departmental stores, and utility bills. The total cashback for these categories is capped at ₹50 per statement cycle.

No, this card does not offer complimentary airport lounge access. It provides 2 free railway lounge visits per quarter.

New cardholders receive 5% cashback on retail spends of at least ₹2,500 made within the first 60 days. The maximum cashback from this offer is capped at ₹150.

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