The Bottom Line
Best Entry Level Card from AU SFB
2% cashback for spending on Grocery, Department Stores and Utility Bill Payments, all other spending earns 1% Cashback.
Monthly Spend |
₹5K |
₹10K |
₹20K |
₹50K |
₹100K |
Net Reward Yield |
1.3% |
1.0% |
0.5% |
0.2% |
0.1% |
Est. Monthly Reward (₹) |
60 |
100 |
100 |
100 |
100 |
All-India Rewards Rank* |
16 |
51 |
180 |
325 |
348 |
Within Bank Rank* |
1 |
1 |
3 |
4 |
4 |
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
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The Altura Credit Card is the best entry level credit card from AU Small Finance Bank. It gives 2% cashback for spending on grocery, department stores and utility bill payments. All other spending earns 1% cashback.
You can earn a net reward yield of 0.5-1.2% on all your spends up to ₹20,000 a month with this credit card.
The Vetta Credit Card is best for AU SFB customers spend between ₹20,000-50,000 a month on their cards. The Vetta offers a net reward yield of 0.8-0.9% based on our calculations.
The Zenith Credit Card offer the best reward yield for high spending AU SFB cutomers. We estimate the Zenith gives a net reward yield of 1.8% if you spend more than ₹50,000 a month with this card.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
The Rewards
Card |
Altura Credit Card |
Card Type |
Cashback |
Cashback Features |
2% Cashback on:
– Grocery
– Departmental Stores
– Utility Bills
1% cashback on all other retail spends |
Milestone Rewards |
₹50 on spending of ₹10,000 / mth. |
Other Rewards |
2 Complimentary Railways Lounge Visit |
Rewards Redemption Fee |
Nil |
Cashback Caps |
– ₹50 / month on grocery stores, departmental stores and utility bills
– ₹50 on all other retail spends |
Preferred Redemption Method |
Redeem on AU Rewardz Portal @₹0.25/reward point for
e-Vouchers, Merchandise, Flight and Hotel Bookings |
Fees & Charges
Card |
Altura Credit Card |
Joining Fee |
₹199 + Taxes |
Annual Fee |
₹199 + Taxes |
Min. Annual Credit Card Spend
for Fee Waiver |
₹40,000 |
Income Criteria |
Salaried |
N/A |
Self-employed |
N/A |
Supplementary Card Fee |
Free |
Interest Rate |
41.88% |
Foreign Currency Markup |
3.49% |
Cash Advance Charge |
2.50% with a minimum of ₹100 |