# AU Altura

AU Small Finance Bank · Visa. ₹199 fee · 3.49% forex · 1% cashback on retail, cap ₹50/statement cycle (reached at ₹5,000 spend).

verified · checked 16 July 2026 · Source: https://www.au.bank.in/personal-banking/credit-cards/altura-credit-card

## How it earns (2)

- 1% cashback on retail, cap ₹50/statement cycle (reached at ₹5,000 spend) · cap 50 points per statement cycle · verified · checked 3 July 2026
- 2% cashback on grocery, departmental, utility, cap ₹50/statement cycle (reached at ₹2,500 spend) · cap 50 points per statement cycle · verified · checked 3 July 2026

## On gift vouchers

- ₹50 back on a ₹10,000 voucher bought direct. · 1% cashback on retail, cap ₹50/statement cycle (reached at ₹5,000 spend)
- Vouchers for Bharat Petroleum (BPCL), Gyftr, NoBroker Pay (rent) and 6 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No cashback: fuel, rent, wallet, cash · insurance, EMI, govt, jewellery, education not confirmed

## Milestones (1)

- +₹50 cashback @ ₹10K retail spend per statement cycle (≈+0.5%) · ₹50 at ₹10,000 spend per month · verified · checked 3 July 2026

## Lounges (1)

- 2 railway lounge visits a quarter at New Delhi, Sealdah, Jaipur, Ahmedabad and Agra. No airport lounge. · Railway lounges (AU) · domestic · 8 per year · checked 3 July 2026

## Fees

- Annual fee: ₹199 + GST
  Waived at ₹40,000 spend per card year
- Forex markup: 3.49%
- DCC markup: Not published

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/au-altura