AU Altura Credit Card
Joining Fee: ₹199 + GST
Renewal Fee: ₹199 + GST
Reward Type: Cashback
Reward Rates
Groceries, Utility Bills, and Departmental Stores: Earn 2% cashback, capped at Rs. 50 per statement cycle.
All Other Purchases: Receive 1% cashback, capped at Rs. 50 per statement cycle.
Exclusions: No cashback on fuel, rent, cash, or wallet transactions.
Milestone Benefits
Monthly Milestone Cashback: Earn an additional Rs. 50 cashback every month by spending over Rs. 10,000.
Travel Benefits
Railway Lounge Access: Enjoy 2 complimentary visits per quarter to selected railway lounges. Access is available at locations including Kolkata, New Delhi, Ahmedabad, Jaipur, Agra, and Madurai. Both primary and add-on cardholders can use this benefit.
Fuel Surcharge Waiver
Waiver Details: Receive a 1% waiver on fuel surcharges for transactions between Rs. 400 and Rs. 5,000.
Maximum Waiver: Waiver is capped at Rs. 100 per statement cycle.
Summary
The AU Small Finance Bank Altura Credit Card offers a simple cashback program with 2% cashback on groceries, utility bills, and departmental stores (capped at Rs. 50 per month), and 1% cashback on other spends (also capped at Rs. 50 per month). Earn an additional Rs. 50 cashback monthly by spending over Rs. 10,000.
It includes two complimentary visits per quarter to select railway lounges in India. The card charges a joining and renewal fee of Rs. 199 + GST and provides a 1% fuel surcharge waiver, capped at Rs. 100 per cycle.
This card is a budget-friendly choice with valuable cashback and travel benefits, ideal for those new to credit cards.