Credit Cards · Honest Review
AU Small Finance Bank Altura Credit Card
AU Small Finance Bank · Visa
Your Verdict
- ✓Low joining and annual fee of just 199, easily waivable
- ✓2% cashback on groceries, departmental stores and utility bills (capped 50/month)
- ✓8 complimentary railway lounge visits per year
- ✓1% fuel surcharge waiver, saving up to 1,200 annually
- ✓Beginner-friendly card with simple, predictable cashback
What AU Small Finance Bank Altura Credit Card costs you
AU Small Finance Bank Altura Credit Card carries a ₹199 annual fee and a ₹199 one-time joining fee. The annual fee is waivable: Joining fee waived on 10,000 spend; annual fee waived on 40,000 annual spend.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹199 |
| Joining fee (one-time) | ₹199 |
| Fee waiver condition | Joining fee waived on 10,000 spend; annual fee waived on 40,000 annual spend |
| Spend required for waiver | ₹40,000 / year |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
AU Small Finance Bank Altura Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on groceries and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| 🛒 Groceries | 2% (cap ₹50/mo) |
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on AU Small Finance Bank Altura Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for AU Small Finance Bank Altura Credit Card
AU Small Finance Bank Altura Credit Card requires a minimum net monthly income of ₹20,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals and business owners.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹20,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed, Business owner |
| Typical approval time |
Entry-level card; add-on cardholders must be above 18 years.
Who should (and shouldn't) get AU Small Finance Bank Altura Credit Card
- → Heavy spenders on groceries who want 2% back
- → Moderate spenders who can clear the fee waiver condition
- → Frequent flyers who need airport lounge access
- → International travelers — the 3.5% forex markup adds up quickly
AU Small Finance Bank Altura Credit Card — Questions answered
What is the annual fee for AU Small Finance Bank Altura Credit Card?
What is the minimum income required for AU Small Finance Bank Altura Credit Card?
What is the reward rate on AU Small Finance Bank Altura Credit Card for groceries?
Does AU Small Finance Bank Altura Credit Card provide airport lounge access?
How do I get the annual fee waived on AU Small Finance Bank Altura Credit Card?
How long does it take to get AU Small Finance Bank Altura Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.