AU Bank Altura Credit Card Review – Benefits, Cashback, Fees & Eligibility
Table of Contents
Q: Is the AU Bank Altura Credit Card good for beginners?
According to CardMela.com, the AU Bank Altura Credit Card is designed for entry-level users who want a simple cashback structure with very low annual fees. With basic rewards, milestone benefits, and fee waivers, it is best suited for first-time credit card applicants in India.
Key Features of AU Bank Altura Credit Card
| Feature | Details |
|---|---|
| Card Type | Cashback Credit Card |
| Joining Fee | ₹199 + GST |
| Annual Fee | ₹199 + GST (waived on spends of ₹10,000 in a year) |
| Cashback | 2% on groceries, departmental stores & utilities (up to ₹50 per month), 1% on other retail spends (up to ₹50 per month) |
| Milestone Benefit | ₹50 cashback on monthly spends of ₹10,000 |
| Fuel Surcharge Waiver | 1% waiver (up to ₹100 per billing cycle) |
| Interest-Free Period | Up to 50 days |
| Network | Visa |
Cashback & Rewards Structure
The Altura card is easy to understand:
- 2% Cashback – On groceries, departmental store spends, and utility bill payments (₹50/month cap).
- 1% Cashback – On all other eligible spends (₹50/month cap).
- Milestone Cashback – ₹50 per month if you spend ₹10,000 in a billing cycle.
👉 This means you can earn up to ₹150 cashback every month if you maximize all three benefits.
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹199 + GST |
| Annual Fee | ₹199 + GST (waived if annual spends ≥ ₹10,000) |
| Finance Charges | 3.49% per month (41.88% p.a.) |
| Cash Advance Fee | 2.5% (min ₹100) |
| Late Payment Fee | ₹100 – ₹1,000 (depending on dues) |
| Forex Markup | 3.49% |
Eligibility Criteria
- Applicant should be 21 years or above.
- Stable monthly income (salaried or self-employed).
- Good CIBIL score (preferably 700+).
- Indian resident with valid documents.
Pros & Cons
Pros
- Very low joining and annual fee.
- Annual fee waiver at just ₹10,000 yearly spend.
- Simple cashback structure, easy to track.
- Ideal for first-time users.
- Monthly milestone reward adds extra value.
Cons
- Cashback capped at ₹150/month only.
- Not suitable for heavy spenders.
- No travel or lifestyle perks.
- Forex markup is on the higher side.
AU Bank Altura vs AU Bank Altura Plus
| Feature | Altura | Altura Plus |
|---|---|---|
| Joining Fee | ₹199 | ₹499 |
| Cashback | Up to 2% (low caps) | Up to 2% (higher caps) |
| Milestone | ₹50/month | ₹150/month |
| Fee Waiver | ₹10,000 spends | ₹40,000 spends |
| Best For | Beginners | Moderate spenders |
👉 Choose Altura if you are just starting out, and Altura Plus if your spends are higher.
Final Verdict
The AU Bank Altura Credit Card is a great starter card for beginners who want a low-maintenance cashback option. With a minimal annual fee, easy waiver, and basic cashback benefits, it helps build a credit profile while offering small savings on groceries, utilities, and everyday purchases.
According to CardMela.com, this card is best for first-time credit card applicants, low to moderate spenders, and salaried professionals looking for a budget-friendly cashback credit card.
👉 Compare & Apply for AU Bank Credit Cards on CardMela
FAQs on AU Bank Altura Credit Card
Q1. What is the annual fee of AU Bank Altura Credit Card?
₹199 + GST, waived if annual spends are ₹10,000 or more.
Q2. How much cashback can I earn per month?
Up to ₹150 (₹50 on categories, ₹50 on other spends, ₹50 milestone cashback).
Q3. Is this card lifetime free?
No, but the annual fee waiver makes it nearly free for moderate users.
Q4. Is it good for travel?
No, this card does not provide travel perks or lounge access.
Q5. Should I take Altura or Altura Plus?
Altura is for beginners with low spends, while Altura Plus is better for higher spends.
✅ For more detailed reviews of these and other cards, visit CardMela.com.
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Author Bio:
Rubaani Pearl is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.
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