If you apply through our link, we may earn a commission from the issuer at no extra cost to you. It never affects our ratings — how we make money.

AU Small Finance Bank

AU Bank Altura Credit Card

3.8Best for groceries

Lounge access

How this card earns

Reward rates by category, with caps and an estimated yearly value.

Spend category	Reward rate	Monthly cap	Est. value/yr
Groceries 2% cashback on groceries, departmental stores and utility bills, capped at Rs 50 per statement cycle	2%	₹50	₹12
Utilities & bills 2% cashback on utility bill payments (shares the Rs 50/cycle cap with groceries/departmental stores)	2%	₹50	₹12
All other spends	1%	—	₹1,200

Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.

Joining fee₹199

Annual fee₹199

Annual fee waiverJoining fee reversed on Rs 10,000 spend within 90 days; annual fee waived on Rs 40,000+ annual spend

Foreign currency markup3.49%

Finance charge (p.a.)41.88%

Fuel surcharge waiver1%

Annual spend	Benefit	Value
₹1,20,000	Rs 50 cashback on spend of Rs 10,000 in each statement cycle	₹600

Airport lounge access — 2/quarter domestic (2 complimentary railway lounge visits per quarter (select stations); no airport lounge access)
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