All cards / AU Small Finance Bank
AU Small Finance Bank
AU Bank Altura Credit Card
Visa
AU Bank Altura Credit Card
A mid-tier AU Bank card built around dining and grocery multipliers, sitting between the lifetime-free LIT and AU's higher-end travel cards.
Rates and fees last verified 15 July 2026.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Mid
Reward rates by category
- Dining4% (capped ₹1,000/monthly)
- Groceries3% (capped ₹1,000/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 1% fuel surcharge waiver, capped at ₹250 per billing cycle
- Bonus reward points on crossing ₹1L spend in a calendar quarter
Pros
- + Strong dining and grocery reward rates
- + Quarterly milestone bonus
- + Fee waived on modest annual spend
Cons
- − Sub-₹500/month category caps limit heavy spenders
- − No lounge access at this tier
Applying takes you to AU Small Finance Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.