AU Small Finance Bank · Scored card guide

AU Altura

2% groceries/utilities, 1% other; each cashback bucket capped ₹50. Confirm your actual channel, merchant code and eligibility.

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Where it pays

Issuer page says 2% cashback at grocery and departmental stores and eligible utility bill payments, capped ₹50 per statement cycle, and 1% other eligible retail spend separately capped ₹50 per cycle. The category chip assumes merchant coding matches; BBPS bill-payment transactions do not qualify, so generic Utilities are not scored without the payment route. Fuel, rent, wallet, cash, education and government excluded. Extra ₹50 monthly milestone at ₹10,000 retail spend is omitted because single-category input does not establish eligible total. ₹199 joining/annual plus GST; first-year fee waiver may apply after ₹10k spend in 90 days, renewal waived after ₹40k anniversary-year retail spend, neither assumed.

Modeled annual cost: ₹199 joining and annual fee plus estimated 18% GST; qualifying first-year and renewal waivers not assumed.

Issuer source

https://www.au.bank.in/personal-banking/credit-cards/altura-credit-card

Checked 27 Sep 2026. One category repeated monthly; not an account-wide return. Conditional welcome and milestone benefits are omitted. Check current issuer terms before applying.

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