AUAU Small FinanceAltura
Altura Credit Card
AU Small Finance Bank · Cashback
2% cashback on groceries, department stores and utility bills; 1% on other retail spends (₹50 cap per cycle on each).
- 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.
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Fee waiver: what is left to spend
Card EMI or personal loan?
Cost of paying only the minimum
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.
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 2026.10.04.
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