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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 15/16 categories
AU

Altura

Best forUtilities & Groceries
Earns2% cashback% cashback on utilities
1st Year / Joining Fee
₹199 + taxes
Renewal Fee
Not recorded
Fee waiver
₹40,000
annual spend
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on utilities and groceries, where it earns 2% cashback% cashback
  • Annual fee is waived at ₹40,000 yearly spend

How you earn

Reward rates at a glance — exactly as recorded for this card.

Utilities2% cashback% cashback
Groceries2% cashback% cashback
Food Delivery2% cashback% cashback
Insurance1% cashback% cashback
Dining1% cashback% cashback
All 16 reward categories · 15 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Rent (MCC 6513) earns no reward points. 1% fee (min ₹99) applies.
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Education earns no reward points. Direct school/college POS/web no fee; third-party apps 1% fee (min ₹99).
Insurance1% cashback% cashback—AU Altura: 1% cashback on Insurance
Details
Status
Verified
Source
SRC-AU-09
Issuer note
AU Altura: 1% cashback on Insurance; ₹50 bonus cashback on ₹10k retail spend per statement.
Utilities2% cashback% cashback—AU Altura: 2% cashback on Utilities
Details
Status
Verified
Source
SRC-AU-09
Issuer note
AU Altura: 2% cashback on Utilities; ₹50 bonus cashback on ₹10k retail spend per statement.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Fuel transactions do not earn reward points. 1% surcharge waiver applies on eligible transactions.
Groceries2% cashback% cashback—AU Altura: 2% cashback on Groceries
Details
Status
Verified
Source
SRC-AU-09
Issuer note
AU Altura: 2% cashback on Groceries; ₹50 bonus cashback on ₹10k retail spend per statement.
Dining1% cashback% cashback—AU Altura: 1% cashback on Dining
Details
Status
Verified
Source
SRC-AU-09
Issuer note
AU Altura: 1% cashback on Dining; ₹50 bonus cashback on ₹10k retail spend per statement.
Food Delivery2% cashback% cashback—AU Altura: 2% cashback on Food Delivery
Details
Status
Verified
Source
SRC-AU-09
Issuer note
AU Altura: 2% cashback on Food Delivery; ₹50 bonus cashback on ₹10k retail spend per statement.
Shopping1% cashback% cashback—AU Altura: 1% cashback on Shopping
Details
Status
Verified
Source
SRC-AU-09
Issuer note
AU Altura: 1% cashback on Shopping; ₹50 bonus cashback on ₹10k retail spend per statement.
Travel1% cashback% cashback—AU Altura: 1% cashback on Travel
Details
Status
Verified
Source
SRC-AU-09
Issuer note
AU Altura: 1% cashback on Travel; ₹50 bonus cashback on ₹10k retail spend per statement.
Government——Partially verified
Details
Status
Partially verified
Issuer note
PENDING: AU Credit Card Member Agreement §23.5.1 says Govt transactions earn no Reward Points, but this variant is not named in the agreement capping table or has its own program terms, and its product-page record (previously ELIGIBLE) could not be re-read. Conflict between official sources — not assumed either way.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Wallet reload earns no reward points.
Railways1% cashback% cashback—AU Altura: 1% cashback on Railways
Details
Status
Verified
Source
SRC-AU-09
Issuer note
AU Altura: 1% cashback on Railways; ₹50 bonus cashback on ₹10k retail spend per statement.
FASTag1% cashback% cashback—AU Altura: 1% cashback on FASTag
Details
Status
Verified
Source
SRC-AU-09
Issuer note
AU Altura: 1% cashback on FASTag; ₹50 bonus cashback on ₹10k retail spend per statement.
Jewellery1% cashback% cashback—AU Altura: 1% cashback on Jewellery
Details
Status
Verified
Source
SRC-AU-09
Issuer note
AU Altura: 1% cashback on Jewellery; ₹50 bonus cashback on ₹10k retail spend per statement.
Telecom1% cashback% cashback—AU Altura: 1% cashback on Telecom
Details
Status
Verified
Source
SRC-AU-09
Issuer note
AU Altura: 1% cashback on Telecom; ₹50 bonus cashback on ₹10k retail spend per statement.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹199 + taxes
Renewal Fee
Not recorded
Fee waiver
₹40,000
annual spend
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Key benefits

Rewards
2% cashback% cashback on utilities
Milestone benefit
₹50 bonus cashback on ₹10,000 retail spend per statement
Fee waiver
Annual fee waived on ₹40,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • No reward on: Rent, Education, Fuel, Wallet
  • Partially verified: Government

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in utilities, groceries, food delivery
  • You can reach the ₹40,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 4 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Fuel — No reward.
  • Wallet — No reward.
Milestones · 1 recorded
  • Milestone — ₹50 bonus cashback on ₹10,000 retail spend per statement.
Eligibility

Subject to AU's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 5 areas

5 areas need further verification. None of these are counted as zero.

  • • Government — partially verified
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: 15 of 16 categories verified · 1 still being verified

Card record last checked: 2026-09-23

Documents used
AU Small Finance Bank — Altura Official Product Documentation · SRC-AU-09 · 2026-09-23
Altura₹199 1st year