Entry Level

AU Altura Credit Card

Name: AU Altura Credit Card
Brand: AU Small Finance Bank
Price: 199 INR

AU Small Finance Bank

6.1

CardTrail Score

Decent

out of 10

💰 Net Value

4.0

🔓 Accessibility

8.7

⚡ Feature Depth

2.9

🏦 Bank Trust

6.5

How we score →

Compare This Card Full Details

Annual Fee

₹199

Spend ₹50K/year

Forex Markup

3.5%

Reward Rate

0.5%

Up to 2%

Lounge Access

domestic | 0 intl

About This Card

The AU Altura Credit Card is an entry-level credit card from AU Small Finance Bank with an annual fee of ₹199. It earns rewards at 0.5% on everyday purchases. Key perks include fuel surcharge waiver. Best suited for first-time card users.

Pros & Cons

Pros

Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases

Cons

3.5% forex markup is above average
No complimentary lounge access
Below-average base reward rate

Fee Details

Annual Fee

₹199

Joining Fee

₹199

Fee Waiver Condition

Spend ₹50K/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

0.5%

Max Rate

Currency

AU Reward Points

Welcome Bonus

None

Lounge Access

Domestic Lounges

International Lounges

Key Highlights

+ Annual fee ₹199 (waiver: Spend ₹50K/year)
+ Fuel surcharge waiver at all pumps

Compare With...

See how AU Altura Credit Card stacks up against top alternatives

HDFC Diners Club Black

HDFC

9.4

Compare

HDFC Diners Club Metal Edition

Want the Full Picture?

Compare the AU Altura Credit Card side-by-side with any card in our database. Use our comparison tool to see which card truly fits your spending pattern.

Open Comparison Tool Find My Ideal Card

CardTrail is an independent research platform. Our ratings are not influenced by commercial relationships.