Altura Credit Card
An entry cashback card for ₹199 a year: 2% at grocery and department stores and on utility bills, 1% elsewhere, each capped at ₹50 a statement cycle, plus ₹50 more on ₹10,000 of spend in a cycle. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹199 plus GST Product page |
|---|---|
| Annual fee | ₹199 plus GST Product page |
| Annual fee waiver | On ₹40,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST Terms |
| AU charges the first year's ₹199 fee 90 days after card set-up unless ₹10,000 of retail spend is made in those 90 days; from the second year it is waived on ₹40,000 of retail spend in the previous card anniversary year. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| Grocery and department stores, and utility bills (BBPS bills earn nothing) | 2% cashback Product page | up to ₹50 a statement cycle Product page |
| All other retail spends | 1% cashback Product page | up to ₹50 a statement cycle Product page |
Each cashback rate has its own ₹50 cap a statement cycle. Cash and BBPS transactions earn no cashback.
No rewards on
- Fuel Product page
- Rent Product page
- Wallet loads Product page
- Education and government payments (from 1 Apr 2024) Product page
Benefits
- Lounges: 8 railway station lounge visits a year Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹100 a statement month Fee schedule
- Milestone: ₹50 extra cashback in each statement cycle with ₹10,000 of retail spend Product page
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- Xpress EMI on purchases of ₹2,000 or more with no processing fee Product page
- Complimentary device protection plan on mobiles and electronics bought with the card Product page
Eligibility
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- the card network
- a welcome benefit
- airport lounge access
The quotes behind the figures
23 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“Annual Membership Fee: ₹199 + GST”
“18% applicable on all fees, interest & charges.”
“For 2nd year onwards fee waiver - ₹40,000 retail spends done in previous card anniversary year”
“Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp - Xcite Series of Cards - 3.49%”
“2% Cashback on all retail spends done at Grocery stores, Departmental stores and Utility bill payments. (Maximum cashback per statement cycle is INR 50)”
“1% Cashback on all other retail spends*. (Maximum cashback per statement cycle is INR 50)”
“Note: Fuel, Rent, Wallet & Cash transactions are excluded from earning of cashback.”
“With effect from 1st April 2024, Education & Govt, BBPS transactions will not be eligible for Cashback.”
“For 1st year fee waiver - ₹10,000 retail spends done within 90 days of card set up”
“Annual Card fee is charged in subsequent statement after 90 days completion of card set up date, in case retail spends based fee waiver condition is not met.”
“Credit Card Variant Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp-Xcite Series of Cards, AU KOSMO, Vetta, Prathama, Tejas, Laksya, Ananta, CheQ, Paytm AU, AU Zaggle, Zenith AU CA, AU CS Zenith+, NOMO, Traverse (NRI) ixigo AU Currency Markup Charges 3.49%”
“1% Fuel Surcharge Waiver for fuel transactions done between ₹400 and ₹5,000, across all fuel stations in the country (Maximum ₹100 per statement cycle).”
“Travel In Leisure with 8 complimentary railway lounge access every year.”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Altura, Altura Plus, Business Cashback, AU SPONT, NOMO,SwipeUp - Xcite Series of Cards, AU KOSMO, Prathama, Tejas, Vetta, Paytm AU, AU Zaggle, Zenith : Maximum of ₹ 100 per statement month.”
“Additional cashback of ₹50 on a minimum retail spend of ₹10,000 in every statement cycle.”
“Convert transactions worth ₹2,000 or more into EMI with zero processing fee.”
“Free insurance and extended warranty on mobile and other electronic purchases.”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“- Resident Indian”
“Both salaried and self-employed individuals”
“Altura Credit Card Transform Your Shopping Into Savings Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology