AU Altura Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: AU Small Finance Bank
Network: Visa | Tier: Entry
The AU Small Finance Bank Altura Credit Card is an entry-level, cashback-focused credit card. It is designed primarily for first-time cardholders and budget-conscious individuals, offering straightforward monthly cashback rewards on daily retail spending alongside railway lounge access.
Why Choose the AU Altura Credit Card?
The AU Altura Credit Card is a Entry-tier Visa credit card issued by AU Small Finance Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Beginners. With a reward rate of Reward points and an annual fee of ₹199, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year and helps recover the ₹199 joining fee.
AU Altura Credit Card Fees & Charges
| Annual Fee | ₹199 |
|---|---|
| Joining Fee | ₹199 |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
AU Altura Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Beginners |
Key Highlights of the AU Altura Credit Card
- Low fee card
- Reward points
AU Altura Credit Card Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 700+
- Minimum income: ₹2
- 00
- 000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the AU Altura Credit Card
- Direct Cashback vs Points: Earns simple
- tangible cashback instead of complex reward points
- making it very easy to track your actual savings.
- Highly Rewarding Milestone: Hitting the ₹10
- 000 monthly spend milestone returns ₹500
- which translates to an excellent extra 5% value-back yield at that specific spending point.
- Practical Railway Lounge Access: The rare inclusion of railway lounge access makes it uniquely useful for budget domestic travelers in India.
- Accessible Entry Threshold: Low salary requirement and high approval rates make it an ideal choice for building an initial credit score.
- Fuel Surcharge Waiver: Includes a 1% fuel surcharge waiver at all gas stations in India for transactions between ₹400 and ₹5
- 000.
Drawbacks of the AU Altura Credit Card
- No Airport Lounge Access: The card does not include any complimentary domestic or international airport lounge visits.
- Strict Monthly Cashback Caps: The 2% and 1% category cashback is strictly capped at a maximum of ₹500 per monthly billing cycle.
- High Forex Markup Fee: Cross-border international transactions are hit with a standard high markup fee of 3.49%.
- Standard Exclusions apply: No cashback is awarded on routine financial transactions such as rent payments
- insurance
- wallet reloads
- and EMI conversions.
- Basic Onboarding Gift: The welcome benefit consists of a modest cashback offer (typically around ₹100 to ₹250) upon hitting an initial spend target
- rather than high-value premium vouchers.
AU Altura Credit Card — Frequently Asked Questions
What is the annual fee of the AU Altura Credit Card?
The AU Altura Credit Card has an annual fee of ₹199 and a joining fee of ₹199. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the AU Altura Credit Card offer airport lounge access?
No, the AU Altura Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the AU Altura Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the AU Altura Credit Card?
The AU Altura Credit Card earns Reward points. It is best suited for Beginners.
Credit Cards Similar to the AU Altura Credit Card
If you are considering the AU Altura Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by State Bank of India (SBI) — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC First Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Expert Rating: 4.2/5