AU Bank Altura Credit Card
A simple cashback credit card for everyday spending and utility payments.
Overview
The AU Bank Altura Credit Card is an entry-level cashback credit card designed for everyday use. It offers cashback on groceries, utility bills, and general retail spending along with railway lounge access and fuel surcharge waiver. With a low annual fee and easy waiver condition, it is suitable for beginners and budget-conscious users.
Features & Benefits
Joining & Renewal Benefits
5% cashback on initial spends within first 60 days (maximum ₹150 cashback).
Cashback & Rewards
- • 2% cashback on grocery & utility spends (monthly cap ₹50)
- • 1% cashback on other retail spends (monthly cap ₹50)
- • ₹50 bonus cashback on monthly spends of ₹10,000
- • 5% cashback on initial spends within first 60 days (max ₹150)
Lifestyle Benefits
- • 2 complimentary railway lounge visits per quarter at select lounges in India
1% fuel surcharge waiver valid on transactions between ₹400–₹5,000, with a maximum waiver of ₹100 per billing cycle.
Fees & Charges
- • Low annual fee
- • Simple cashback structure
- • Railway lounge access included
- • Easy fee waiver
- • Low cashback caps
- • Limited premium benefits
- • Not ideal for high spenders
- • No airport lounge access
Free add-on cards available