AU Altura
AU Small Finance Bank · Checked 2026-10-09
AU Altura is a paid card focused on shopping rewards and straightforward cashback, charging ₹199 annually before GST.
CardIQ editorial view
Our take
AU Altura is a paid card focused on shopping rewards and straightforward cashback, charging ₹199 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise straightforward cashback.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 2% cashback on eligible groceries, departmental stores and utilities.
- 8 railway lounge visits per year, subject to access terms. First-year fee waiver requires ₹10,000 retail spend within 90 days.
Trade-offs to understand
- Accelerated cashback is capped at ₹50 per statement cycle; 1% cashback on other eligible purchases is separately capped at ₹50.
- Additional ₹50 cashback at ₹10,000 eligible retail spend per statement cycle.
- The ₹199 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 2% cashback on eligible groceries, departmental stores and utilities valuable enough to clear the fee. Factor in this condition: Accelerated cashback is capped at ₹50 per statement cycle; 1% cashback on other eligible purchases is separately capped at ₹50.
Compare before deciding
- IndusInd Bank Samman — A similarly priced alternative for comparing shopping rewards and straightforward cashback.
- Snapdeal BOBCARD — A higher-fee option to compare for broader benefits around shopping rewards and straightforward cashback.
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Benefits, limits and conditions
- Accelerated cashback is capped at ₹50 per statement cycle; 1% cashback on other eligible purchases is separately capped at ₹50.
- Additional ₹50 cashback at ₹10,000 eligible retail spend per statement cycle.
- 8 railway lounge visits per year, subject to access terms. First-year fee waiver requires ₹10,000 retail spend within 90 days.