M16S / AU Small Finance Bank / AU Altura Credit Card
entry · cashback
AU Altura Credit Card
The AU Altura Credit Card costs Rs 199 a year, waived if you spend Rs 40,000 in a year. Its base return is 1% (1% cashback on retail spends). Accelerated earn: 2% cashback on grocery, departmental store and utility bill payments. The forex markup is 3.49%. Lounge visits in India: Railway lounges only: 8 per year; no airport lounge. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 199+ GST
- Fee waived at
- Rs 40,000annual spend
- Base return
- 1%
- Forex markup
- 3.49%
- Interest
- 3.75%a month
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Altura changes minimum amount due method, Feb 2025
From 15 February 2025 the Altura minimum amount due is 5% of principal outstanding plus 100% of fees, interest, EMIs, annual fee and GST for customers who paid the previous total due on time, and 2% of principal plus the same items otherwise. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank sets card interest at 3.75% a month, Aug 2024
From 15 August 2024 the interest rate (APR) is 3.75% per month (45% per annum) on all AU credit cards except Zenith+, Corporate and Purchase cards. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 199 |
|---|---|
| Annual fee | Rs 199 |
| Annual spend that waives the fee | Rs 40,000 |
| Fee notes | Rs 199 + GST. First-year fee waived on Rs 10,000 retail spend within 90 days; renewal waived on Rs 40,000 retail spend in previous anniversary year. |
Rewards
| Reward currency | Cashback |
|---|---|
| Base earn | 1% cashback on retail spends |
| Base return | 1% |
| Point value | Cashback credited in rupees |
| Accelerated earn | 2% cashback on grocery, departmental store and utility bill payments |
| Capsunverified | Max cashback Rs 50 per statement cycle (page wording unclear whether per category or in total) |
| Spends that earn nothing | Fuel, rent, wallet, cash; education, government and BBPS from 1 Apr 2024 |
| Milestone benefits | Extra Rs 50 cashback when retail spend reaches Rs 10,000 in a statement cycle |
| Reward notes | base_return_pct = 1% headline rate; with the Rs 50 cap it applies to only about Rs 5,000 of spend per cycle. |
Travel and perks
| Domestic lounge | Railway lounges only: 8 per year; no airport lounge |
|---|---|
| International lounge | None |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle |
| Other freebies | Device protection plan; card liability cover; free add-on cards |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. |
| Fine-print notes | Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU Altura Credit Card?
- Rs 199 a year, before GST. It is waived if you spend Rs 40,000 in a year.
- Does the AU Altura Credit Card give airport lounge access?
- Yes. In India: Railway lounges only: 8 per year; no airport lounge. Outside India: none listed.
- What is the forex markup on the AU Altura Credit Card?
- 3.49% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU Altura Credit Card?
- Fuel, rent, wallet, cash; education, government and BBPS from 1 Apr 2024