Altura Credit Card

The AU Small Finance Bank Altura Credit Card is designed to help everyday shoppers transform their spending into meaningful savings. Issued on the RuPay network, it offers up to 2% cashback on purchases made at grocery stores, departmental stores, and utility bill payments, with 1% cashback on all other retail spends. An additional milestone cashback of ₹50 is awarded when retail spends reach ₹10,000 in a statement cycle, rewarding consistent usage. Beyond cashback, the Altura Credit Card caters to travellers with 8 complimentary railway lounge accesses per year, making journeys more comfortable. Cardholders also benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India, helping reduce everyday commuting costs. The card comes with several added protections and conveniences, including a complimentary device protection plan covering mobile and electronic purchases, card liability cover against fraudulent transactions, and contactless payment capability for quick transactions up to ₹5,000. Transactions of ₹2,000 or more can be converted into EMI with zero processing fees, and free add-on cards can be issued for family members. With an annual membership fee of just ₹199, the Altura Credit Card is a practical, value-driven choice for budget-conscious individuals seeking everyday rewards.