Loading page
Loading card
AU Small Finance Bank
2% back on groceries, departmental stores and utility bills for a Rs. 199 fee that Rs. 40,000 removes
One-time
Waived on ₹40,000/yr
Uncapped rewards
Score 700+
Applying takes you to AU Small Finance Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from AU Small Finance Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromGroceries
No published ceiling on this tier
Utilities
No published ceiling on this tier
Everything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
2% on Groceries — Groceries, departmental stores and utility bill payments., with no stated cap.
Biggest limitation
No airport lounge access. The lounge benefit is eight railway lounge visits a year.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
2%
uncappedGroceries
Groceries, departmental stores and utility bill payments.
2%
uncappedUtilities
1%
uncappedEverything else
Other retail spending.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹199 | The Rs. 199 annual fee is waived in year one on Rs. 10,000 of spending within 90 days of card set-up, and from year two on Rs. 40,000 of spending in a card year |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 15% + GST | 15% of the total amount due, subject to a minimum of Rs. 10 and a maximum of Rs. 1,300, plus GST |
| Foreign currency markup | 3.49% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹40,000 a year
is what it takes to keep the ₹199 fee off — about ₹3,333 a month
This card carries no airport lounge access.
1% waiver. 1% fuel surcharge waiver on eligible fuel transactions.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
AU Small Finance BankAU Bank Xcite Ultra Credit Card₹884
AU Small Finance BankAU Bank LIT Credit CardLifetime free
AU Small Finance BankAU Bank Altura Plus Credit Card₹499
AU Small Finance Bankixigo AU Credit CardLifetime freeSuryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| AU Bank Altura Credit Card · this card | ₹199 | 2% groceries | No |
| AU Bank NOMO Credit Card | ₹0 | Up to 2 reward points per ₹100 | Included |
| AU Bank Xcite Ultra Credit Card | ₹884 | Up to 12 reward points per ₹100 | Included |
| AU Bank LIT Credit Card | Lifetime free | Up to 5% cashback | Included |
| AU Bank Altura Plus Credit Card | ₹499 | Up to 1.5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹199 plus GST, waived on ₹40,000 of annual spend.
The strongest published rate is 2% on groceries, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Credited as cashback against the card statement
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
2% on groceries, departmental stores and utility bill payments, and 1% on other retail spending. It is paid as cashback against the statement rather than as points, so there is nothing to redeem and one unit of reward is one rupee.
In two different ways. In year one the Rs. 199 fee is waived on Rs. 10,000 of spending within 90 days of card set-up. From year two it is waived on Rs. 40,000 of spending in a card year — about Rs. 3,400 a month, which almost anybody using the card for groceries and bills will clear.
No. It gives eight complimentary railway lounge visits a year and no airport lounge access at all. Railway lounge access is rare at this price and genuinely useful on Indian rail journeys, but it is not a substitute for an airport lounge if that is what you are after.
You can, but you should not. AU's published markup on this variant is 3.49%, which is at the market standard. AU's own ixigo AU card charges 0.99% and is lifetime free, so for foreign spending that is the card from this issuer to hold — the Altura is for household spending in rupees.
For most people, yes. The Altura costs Rs. 199 with a Rs. 40,000 annual waiver; the Altura Plus costs Rs. 499 and its year-two waiver needs Rs. 8,00,000 of spending, which is about Rs. 67,000 a month. Unless you spend at that level the cheaper card is the one whose fee actually goes away.
3.75% a month, which is 45% a year, on revolving credit. The interest-free period runs up to 50 days if the bill is paid in full, and it does not apply to cash withdrawals. Late payment is 15% of the total amount due with a minimum of Rs. 10 and a maximum of Rs. 1,300, plus GST.
The Altura costs Rs. 199 a year, and AU waives it twice over. In year one, Rs. 10,000 of spending within 90 days of setting the card up removes it. From year two, Rs. 40,000 of spending in a card year does — about Rs. 3,400 a month.
That second figure is the one worth comparing. Many cards in this catalogue waive a similar fee at Rs. 1,00,000 or Rs. 2,00,000 of annual spending, which a light user never reaches. Rs. 40,000 is cleared by a household that puts its groceries and one monthly bill on the card, which is exactly what the card is built for.
Two per cent back covers groceries, departmental stores and utility bill payments. Everything else earns 1%. There is no tier above 2% and no category that earns nothing, which makes the card easy to use without thinking about it.
It is paid as cashback against the statement rather than as reward points, so one unit of reward is one rupee and there is no catalogue to navigate or minimum to reach. On a card at this price that matters more than it sounds — a points card paying a nominally higher rate often pays less once the conversion is applied.
The Altura carries eight complimentary railway lounge visits a year and no airport lounge access at all. Railway lounge access appears on only a handful of cards here, so it is a genuine benefit rather than a filler — but it is not an airport lounge, and the card should not be chosen as though it were.
The other gap is abroad. AU publishes a 3.49% foreign currency markup on this variant, at the market standard. AU's own ixigo AU card is lifetime free and charges 0.99%, so the sensible pairing from this issuer is the Altura for household spending in rupees and the ixigo card for anything in a foreign currency.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
