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Altura Credit Card by AU Small Finance Bank

by Kshitiz V Sharma on

The Bottom Line

Altura Credit Card
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.

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

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