Route spending through 2% cashback, maximum ₹50 per statement cycle for this category bucket..
Earn 2.0× here — 2.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Mid-tier · Cashback
AU SMALL FINANCE BANK · AU SMALL FINANCE BANK ALTURA CREDIT CARD
AU Small Finance Bank Altura Credit Card
ANNUAL FEE
₹199 waived at ₹0L spend
FIRST-YEAR NET VALUE
₹18,150 for a mid spender · travel
AU SMALL FINANCE BANK Altura
Updated 17 Sep 2026 5 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is AU Small Finance Bank's.
MONTHLY INCOME ₹0.3L+ Salaried or self-employed
CREDIT SCORE 750+ Excellent band preferred
AGE 21 – 60 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹18,150 first-year net value · mid spender · travel
Category rewards ₹18,000
Welcome benefit· Welcome reward points ₹150
Annual fee − ₹199
Fee waiver (met)· Annual fee waiver on ₹40,000 retail spend in previous card anniversary year ₹199
Net first-year value ₹18,150
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.00% back on eligible spends 1.0 pts per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 2.0% back
2% cashback, maximum ₹50 per statement cycle for this category bucket. · 2.0%
Everything else (base) · 1.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time AU Small Finance Bank tweaks the program.
Line up your ₹0L before renewal.
Crossing ₹0L in the anniversary year waives the ₹199 fee — automatic for spenders at ₹3,333+/month. Watch your pace in months 10–12.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹199 · + 18% GST · one-time
Annual fee (year 2+) ₹199 · waived at ₹0L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Welcome voucher
₹150 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹0L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How AU Small Finance Bank Altura Credit Card has changed.
Last verified 17 Sep 2026.
- 1 Apr 2024 Exclusion of education and government transactions from cashback earning Education, government, and BBPS transactions no longer earn cashback rewards
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: AU card product page (official), AU Bank credit card documents hub (official), AU Bank credit card MITC (with Schedule of Charges) PDF (official), AU Bank credit card key fact statement / schedule of charges PDF (official), au.bank.in (PDF). Next scheduled review: 17 Mar 2027.