AU Bank Altura Credit Card
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 2% Cashback per ₹100 (2% Cashback on grocery, departmental stores, and utility bill payments (max ₹50/month))
Overview
AU Bank Altura Credit Card by AU Small Finance Bank provides premium value tailored for Mid-Premium cardholders.
Rewards
Reward Type
Cashback
Reward Rate
- • Base Rewards: 2% Cashback per ₹100 (2% Cashback on grocery, departmental stores, and utility bill payments (max ₹50/month))
- • 1 Reward Point per ₹100 (1 Reward Point per ₹100 on all other retail transactions (1 pt = ₹0.25))
- • Accelerated Rewards: 2% Cashback on essential daily spends (grocery, departmental, utility bills).
- • Excluded Categories: Fuel, Rent, Wallet loads
Welcome Benefit
₹500 cashback on retail spends of ₹10,000 or more within 60 days of card setup; Qualification Criteria: Spend ₹10,000 within 60 days; Fulfillment Timeline: 30 days post criteria completion
Milestone Benefit
Spend ₹40,000 (Annual): Annual fee waiver of ₹499; Spend ₹10,000 (Monthly): Additional ₹50 monthly cashback on spending ₹10,000+ per calendar month; Annual Fee Waiver: Spend ₹40,00,000 or more in preceding year for annual fee waiver (₹40,000 retail spend)
Redemption
- • Automatic statement credit for cashback
- • Vouchers on AU Rewardz for reward points
Benefits
- Domestic Airport Lounge: 1 per quarter at railway lounges across India via AU Railway Lounge Access (Guest Access: Paid guest access)
- Fuel Surcharge Waiver: 1% (Max waiver ₹150 per month)
- Lost Card Liability: Zero lost card liability up to ₹25,000 upon reporting card loss to AU Bank. (Zero liability protection) [Partners: AU Bank]
Things to Know Before you apply
AU Bank Altura Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried min ₹25,000/month or ITR ₹3,00,000+ p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹100) |
Fee waiver: Spend ₹40,00,000 or more in preceding year for annual fee waiver (₹40,000 retail spend)
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
AU Bank Altura Credit Card issued by AU Small Finance Bank is one of India's leading credit cards for Mid-Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 2% Cashback per ₹100 (2% Cashback on grocery, departmental stores, and utility bill payments (max ₹50/month))
- • 1 Reward Point per ₹100 (1 Reward Point per ₹100 on all other retail transactions (1 pt = ₹0.25))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions
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- • ₹500 cashback on retail spends of ₹10,000 or more within 60 days of card setup
- • Qualification Criteria: Spend ₹10,000 within 60 days
- • Fulfillment Timeline: 30 days post criteria completion
- • 100% cashback up to ₹500 on first utility bill payment completed via Google Pay within 45 days of card issuance (effectively offsetting the ₹499 joining fee).
- • 499 NeuCoins upon payment of membership fee and card activation within 30 days
- • Qualification Criteria: Fee realization
- • First spend on Tata Neu app within 30 days
- • Fulfillment Timeline: Credited within 30 days of spend condition fulfillment
- • Base Rewards: 2% Cashback per ₹100 (2% Cashback on grocery, departmental stores, and utility bill payments (max ₹50/month))
- • 1 Reward Point per ₹100 (1 Reward Point per ₹100 on all other retail transactions (1 pt = ₹0.25))
- • Accelerated Rewards: 2% Cashback on essential daily spends (grocery, departmental, utility bills).
- • Excluded Categories: Fuel, Rent, Wallet loads
- • 5% cashback on utility bill payments & recharges via Google Pay (capped at ₹500/month)
- • 4% on Swiggy, Zomato & Ola (capped at ₹500/month)
- • 1.5% unlimited flat cashback on all other eligible retail transactions.
- • Base Rewards: 1% NeuCoins per ₹100 (1% NeuCoins on all non-Tata brands and RuPay UPI merchant transactions)
- • Accelerated Rewards: 2% NeuCoins on Tata Neu app + 5% NeuPass benefits (total 7% value) across Tata brands
- • Excluded Categories: Fuel, Wallet load, Rent
- • Base Rewards: 2% Cashback per ₹100 (2% Cashback on grocery, departmental stores, and utility bill payments (max ₹50/month))
- • 1 Reward Point per ₹100 (1 Reward Point per ₹100 on all other retail transactions (1 pt = ₹0.25))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • • 5% cashback on utility bills & mobile recharges via Google Pay (capped at ₹500/month)
- • • 4% cashback on Swiggy, Zomato & Ola (capped at ₹500/month)
- • • 1.5% unlimited flat cashback on all other transactions with no upper ceiling
- • • No reward redemption fee — cashback is automatically credited to credit card statement
- • • Low annual fee of ₹499 easily waived at ₹2 Lakh annual spend
- • • 4 complimentary domestic airport lounge visits per calendar year
- • Base Rewards: 1% NeuCoins per ₹100 (1% NeuCoins on all non-Tata brands and RuPay UPI merchant transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions
- • • 5% utility cashback requires an Android device with Google Pay
- • • Rent (MCC 6513) and wallet loads (MCC 6540) do not count toward fee-waiver spend
- • • New 1% surcharge on utility spends exceeding ₹25,000/cycle and wallet loads above ₹10,000/cycle
- • • Standard 3.5% foreign currency markup plus 3.5% DCC markup
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions