Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#65 of 173 in credit

AU Small Finance Bank

AU Bank Altura Credit Card

creditRupayPlatinum

1.5% cashback on all spends via app

Score breakdown

Data completeness: 80% · Last verified: 06 Jul 2026

Reward value24/100 · weight 65%

≈ 1.14% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +3.1% score bonus — earns broadly without narrow category restrictions.

Fee efficiency98/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks0/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹199 + 18% GST
= ₹235 total
Annual fee: ₹199 + 18% GST
= ₹235 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 0
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
travel	points	2.00%(8 pts @ ₹0.25)	—	2% travel (estimated)
online_spends	points	2.00%(8 pts @ ₹0.25)	—	2% online (estimated)
dining	points	2.00%(8 pts @ ₹0.25)	—	2% dining (estimated)
groceries	points	1.50%(6 pts @ ₹0.25)	—	1.5% groceries (estimated)
fuel	points	1.00%(4 pts @ ₹0.25)	—	1% fuel (estimated)
utilities	points	1.00%(4 pts @ ₹0.25)	—	1% utilities (estimated)
all_spends	points	0.50%(2 pts @ ₹0.25)	—	Base earn rate