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AU Small Finance Bank

AU Bank Altura Credit Card

3.8Best for groceries

Verifying

Joining fee incl. GST: ₹235
Renewal fee incl. GST: ₹235
Conditional welcome value: —
Forex markup: 3.49%
Interest p.a.: 45%
Min income (salaried): —

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

The current retrieved product page omits the numerical cashback ceiling; stored ceilings remain provisional. Utility per-transaction caps, BBPS and transportation classification are not modelled. Fee-waiver retail exclusions need detailed terms.

Spend category	Reward rate	Reward limit
Groceries 2% cashback on groceries, departmental stores and utility bills, capped at Rs 50 per statement cycle Monthly cap shown as the spend at which it binds: ₹50 cashback per cycle ÷ 2% = ₹2,500 of spend, shared with utility bills.	2%	₹50 shared reward / monthCeiling needs confirmation
Utilities & bills 2% cashback on utility bill payments (shares the Rs 50/cycle cap with groceries/departmental stores) Monthly cap shown as the spend at which it binds: ₹50 cashback per cycle ÷ 2% = ₹2,500 of spend, shared with groceries.	2%	₹50 shared reward / monthCeiling needs confirmation
Other eligible purchases Stored ₹50 ordinary-retail ceiling requires current reward terms; retained conservatively, not certified.	1%	₹50 shared reward / monthCeiling needs confirmation

Excluded from ordinary earning: Fuel, Rent, Education. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

Fees & charges

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.)45%

Fuel surcharge waiver1%, up to ₹100/mo

Spend milestones

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

Key benefits

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
Eight complimentary railway lounge visits per year; these are not airport lounge visits.

What we like

+Very low Rs 199 fee, easily waived on Rs 40,000 annual spend
+Direct cashback on everyday grocery and utility spends
+Railway lounge access uncommon at this fee tier

What to watch

−Stored cashback ceilings require current reward terms; do not interpret the headline percentages as unlimited
−No airport lounge access; only railway lounges
−3.49% forex markup
−Fuel, rent and wallet loads excluded from cashback