AU Small Finance Bank SPONT Credit Card
AU Small Finance Bank RuPay
Rewards 1.0%
Net Value ₹6,384
Joining Fee ₹0
Renewal Fee ₹0
2 lounge visits • Forex 3.5%
AU Small Finance Bank Altura Credit Card
AU Small Finance Bank
Entry-level cashback credit card with railway lounge access
Joining Fee
₹199
+ 18% GST
First Year Net
+₹5,921
Annual Fee
₹199
+ 18% GST
Renewal Net
+₹5,771
Base Reward Rate
1.0%
on general spend
Best Category
2.0%
Final Net Score
13
out of 100
Net Annual Value
+₹6,006
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
13/100
Effective Reward Rate
Weighted average based on your spending categories
1.0%
Annual Net Value
Expected yearly benefit after all costs
₹6,006
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Entry-level cashback credit card with railway lounge access
Launch Date
2020
Networks
Visa
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹5,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹6,006
Fee outcome
Fee likely waived
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 3,333 monthly spend.
- Top earning category: grocery, departmental stores, utility bill payments has elevated rewards, which can improve value when your spend matches it.
Details
Spend curve and supporting scenario values
AU Small Finance Bank Altura Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹199
- Foreign Transaction: 3.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 1.0% reward rate
- Lounge Access: Available
- Our Rating: 13/100
AU Small Finance Bank Altura Credit Card - Frequently Asked Questions
What are the benefits of AU Small Finance Bank Altura Credit Card?
AU Small Finance Bank Altura Credit Card from AU Small Finance Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for AU Small Finance Bank Altura Credit Card?
AU Small Finance Bank Altura Credit Card is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does AU Small Finance Bank Altura Credit Card cost?
The annual fee for AU Small Finance Bank Altura Credit Card is ₹199. Additional charges may include foreign transaction fees and late payment charges.
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