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AU Altura Credit Card
AU Small Finance • Visa

AU Altura Credit Card

Entry-level AU card for everyday spends with better value on online and shopping usage.

Annual Fee₹199Waived on eligible annual spend as per issuer policy
Base Reward0.4%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,552Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,440

Assumes base reward rate only.

Annual fee₹199

Waived on eligible annual spend as per issuer policy

Net value₹1,241

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Online
1.5%
Shopping
1.5%
Basedefault
0.4%

Insights

Verified card-level notes, best use-cases, and watchouts.

Expand

Insights

  • AU Altura Credit Card should be treated as an AU shopping-oriented card suited for users with consistent ecommerce and retail category focus.
  • The card's cashback model is most effective when usage stays aligned to its core categories: Shopping, Online, Rewards.
  • Lounge upside is not part of this card’s practical value in current mapping, so returns should be judged mainly on spend economics.

Best Utilization

  • Use for shopping-heavy months and rebalance spend if effective returns flatten after promotional cycles.
  • Review monthly statements and re-route spend once marginal returns weaken outside the intended category lanes.
  • Track annual break-even against the annual fee of ₹199 to ensure net value remains positive.

Watchouts

  • Card performance can be sensitive to campaign windows and merchant-level qualification.
  • No complimentary lounge access is currently mapped for this card.
  • Reward caps, partner exclusions, or MCC filtering can reduce realized yield versus headline marketing rates.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹199
  • Annual fee₹199
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports11
  • Approval reports6

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

AU KOSMO Credit Card

Annual fee: Free

Shared focus: Online, ShoppingHigher product tier within same bankHigher top earn rate (2.0%)
View Details
Step 2

AU ABC Pro Credit Card

Annual fee: ₹499

Shared focus: Shopping, RewardsHigher top earn rate (2.5%)
View Details
Step 3

AU Altura Plus Credit Card

Annual fee: ₹499

Shared focus: Shopping, RewardsHigher top earn rate (2.0%)
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for AU Altura Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on eligible annual spend as per issuer policy

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Low-fee AU starter card
  • Category-led acceleration on online and shopping spends
  • Standard fuel surcharge waiver support
  • Campaign-based offers on partner merchants

Things to Consider

  • Reward acceleration is capped and category specific
  • Lower base reward rate outside target categories
  • Benefits vary by issuer campaign cycle

About AU Altura Credit Card

AU Altura Credit Card is a cashback card from AU Small Finance, best for beginner users starting with au ecosystem cards. It is tagged under shopping, online, rewards categories in our database.

ShoppingOnlineRewards

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Frequently asked questions

Is AU Altura Credit Card lifetime free?

It has an annual fee of ₹199. Waived on eligible annual spend as per issuer policy

What rewards does AU Altura Credit Card offer?

Entry-level AU card for everyday spends with better value on online and shopping usage.

Does AU Altura Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider AU Altura Credit Card?

Beginner users starting with AU ecosystem cards

Where can I apply for AU Altura Credit Card?

Check the issuer website for application availability.