LOW ANNUAL FEE CARD || ANNUAL FEE WAIVER AT ₹40,000 YEARLY CARD SPEND

AU Bank Altura Credit Card

AU Bank Altura Credit Card - Our Money Guide Our Rating 3.50
Top Reasons to Choose
✔︎
Low annual fee of ₹199
✔︎
Low annual card spend requirement of ₹40,000, to get annual fee waived off
2%
Cashback on grocery purchases || department store purchases || utility bill payments - on spends upto ₹2500 per month
✔︎
Complimentary railway lounge access - 2 per quarter
Annual Fee

₹199

  • Welcome offer : 1st year annual fee waived off, at ₹10,000 card spend within 90 days of card generation date.
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹40000 or more in the previous year.
Minimum Income

Not specified

2% cashback on grocery purchases || department store purchases || utility bill payments – on purchases upto ₹2500 per month
– You get ₹2 (as cashback), on every ₹100 you spend in these categories
– This is valid only on purchases upto ₹2500 per month, since the maximum cashback at this rate is restricted to ₹50 per month

1% cashback on all other card spends, on spends upto ₹5000 per month
– You get ₹1 (as cashback), on every ₹100 you spend
– This is valid only on purchases upto ₹5000 per month, since the maximum cashback at this rate is restricted to ₹50 per month
.- Exceptions : No cashback is given on following card spends – fuel, rent and wallet loads.

Complimentary railway lounge access – 2 per quarter

Fuel surcharge waiver, upto ₹100 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹10,000 per month, since the waiver amount is restricted to ₹100 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹100 in all cases

Benefits
– Low annual fee of ₹199
– Low annual card spend requirement of ₹40,000, to get annual fee waiver from 2nd year onwards
– 2% cashback on grocery purchases, department store purchases, utility bill payments

Drawbacks
– Low monthly spend limit to earn 2% cashback on the 3 promotion categories (grocery purchases, department store purchases, utility bill payments)


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