- Joining fee
Rs. 199 + GST
- Annual fee
Rs. 199 + GST
- Best suited for
Shopping
- Reward type
Cashback
Rewards
- Rewards rate
Cashback of 2% on utility bills, groceries, and departmental stores and cashback of 1% on all other spends.
Benefits
- Travel
Complimentary access to railway lounges.
Fees & charges
- Spend-based waiver
Spend Rs. 10,000 in the first 90 days for a fee waiver. For an annual fee waiver, there should be spends of Rs. 40,000 or more in a year.
- Rewards redemption fee
Nil
- Foreign currency markup
3.49% on all international spends.
- Interest rates
3.49% per month
- Fuel surcharge waiver
Surcharge waiver of 1% on fuel transactions between Rs. 400 and Rs. 5,000.
- Cash advance charges
Rs. 100 or 2.5% of the cash amount withdrawn, higher of the two.
Product highlights
- 2% cash back on groceries, departmental stores, and utility bills.
- 1% cashback on all other spends using this credit card.
- A cashback of Rs. 50 every month while you achieve the milestone spending.
- Complimentary access to selected railway lounges in India.
- Surcharge waiver of 1% on fuel transactions.
- Zero liability protection against a lost card.
FAQs
What is the annual fee of the AU Small Finance Altura Credit Card?
The Altura credit card comes with a joining and annual charge of Rs. 199 + GST
What is the maximum cashback I can earn every month on groceries?
On groceries, departmental stores, and utility bills, you can avail of a maximum cashback of Rs. 150 every statement cycle.
Does this card provide any complimentary airport lounge access?
No, the AU Small Finance Bank Altura Credit Card doesn’t provide any airport lounge access, but it comes with complimentary railway lounge access for primary as well as add-on cardholders.