All cards / AU Small Finance Bank
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.
Annual fee
₹199
Joining fee
₹199
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.5% base rate
- Domestic lounge access: No airport lounge access; 8 complimentary railway lounge visits per year
Benefits by category
- 🍽️ Dining & food delivery
4% reward rate (capped ₹1,000/monthly)
- 🛒 Groceries
3% reward rate (capped ₹1,000/monthly)
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹100 per statement month (from 1 Oct 2026)
- 🌍 Forex / international spend
3.49% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹40,000
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 3.49%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400–₹5,000, capped at ₹100 per statement month
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- 1% fuel surcharge waiver, capped at ₹100 per statement month (from 1 Oct 2026)
- 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