Cards / AU Small Finance

AU Small FinanceAltura

Altura Credit Card

AU Small Finance Bank · Cashback

Reviewed by Chandan Kumar Dash

2% cashback on groceries, department stores and utility bills; 1% on other retail spends (₹50 cap per cycle on each).

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Joining fee

₹199

Annual fee

₹199

Waiver spend

₹40,000

Forex markup

3.49%

Fee waiver

Spend ₹40,000 in a card year and the next annual fee is waived. Spends on education, fuel, rent, wallet loads do not count.

That is about ₹3,333 a month.

Work out what you still need to spend

Recent changes

• 30 September 2026Worse for you

  The fuel surcharge waiver is capped at Rs 100 a statement month, under the schedule of charges dated 30 September 2026.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 2% on groceries, department stores and utility bills
• 1% on other retail spends

No rewards on education, fuel, rent, wallet loads.

Who can apply

• Age 21 to 65

Salaried: 21 to 60 years. Self-employed: 25 to 65 years. Resident Indian.

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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