Card Image
Altura
Annual Fee
₹199
Rewards/₹100 ⓘ
₹1.00 - ₹2.00
Normalized to balance base rate with bonus categories
Interest Rate
41.88%
Credit Score
700+
At a Glance
Key Benefits
2% on groceries/utilities, 1% on others, fuel waiver
Lounge Access
2 railway lounge visits per quarter
Eligibility
Salaried: Rs.25,000+/month, Age: 21-60, CIBIL: 700+
Quick Details
Annual Fee
₹199
#59
Joining Fee
₹199
#66
Interest Rate
41.88% p.a.
#88
Forex Markup
3.49%
#73
Rewards/₹100
₹1.00 - ₹2.00
#143
Reward Type Cashback
Reward Currency Cashback
Domestic Lounge Visits
2/year
#92
Min Credit Score
700+
#54
Min Monthly Income ₹25
Network VISA
Late Payment Fee ₹100
Over Limit Fee ₹500
Cash Advance Fee ₹99 2.50% (min ₹99)
Fee Waiver on Spend ₹40,000/yr
Reward Structure
Base
All Spends
₹1.00 /₹100
Cat
Grocery
₹2.00 /₹100
Cat
Custom/Partner
₹2.00 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Milestone Benefits
Welcome Bonus
5% cashback on Rs.2,500 spends within 60 days
Spend ₹2,500 within 60 days
₹125
value
Airport Lounge Access
Domestic Free
2
visits per quarter
Quick Analysis
The AU Altura is an affordable entry-level card ideal for beginners with low spending patterns. Best for those under Rs.10,000/month on specific categories.
Pros
- 2% cashback on groceries, utilities
- 1% cashback on all other spends
- 5% welcome cashback up to Rs.125
- Low annual fee of Rs.199 with easy waiver
- 2 railway lounge visits per quarter
- 1% fuel surcharge waiver
Cons
- Very low cashback cap of Rs.50 per month
- High forex markup of 3.49%
- No airport lounge access
- Low reward value for high spenders
- No insurance coverage
Best For
Entry-level cardholders with low monthly spends
Not Ideal For
High spenders, international travelers
Frequently Asked Questions
What is the cashback rate?
2% on groceries and utilities (max Rs.50/month), 1% on other spends.
What is the annual fee?
Rs.199 + GST. Waived on Rs.40,000 annual spend.
User Reviews
Ready to Apply for Altura?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.
Apply Now on AU Small Finance Bank Apply Now