cashback
AU Altura Credit Card
Affordable entry-level cashback card with railway lounge access, built for beginners.
Annual Fee
₹199+GST (waived ₹10K/90days joining; ₹40K/yr renewal)
Rewards
Up to 2% cashback on all spends
Lounge Access
2 railway lounge visits/quarter (no airport lounge)
Fuel Waiver
1% (standard schedule)
Milestone
₹50 additional cashback per statement cycle on spend milestone
Best For
First-time cardholders wanting simple cashback
Welcome Offer
Not confirmed
Type
Cashback
Description
AU Bank's base-tier entry cashback card (distinct from the pricier Altura Plus), earning up to 2% cashback on all eligible spends. Annual fee ₹199+GST, waived on ₹10,000 spend within 90 days (joining) and ₹40,000 annual spend (renewal). Includes ₹50 bonus cashback per statement cycle on hitting the spend milestone, 2 complimentary railway lounge visits per quarter, and a 1% fuel surcharge waiver. No airport lounge access — for that, Altura Plus or higher tiers are the better fit. Forex markup 3.49%.
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