AU Small Finance BankVisaAltura Credit Card
3.6NeoFinQ editorial rating
Low-cost entry card with railway lounge access
- Affordable annual fee with easy waiver
- Railway lounge access
- Joining fee
- ₹199
- Annual fee
- ₹199
- Reward type
- cashback
- Best for
- Cashback
- Est. rewards
- ₹18,000/yr
Our verdict
Best suited for entry-level users who prefer savings on everyday expenses.
Perfect for
- Beginners looking for a low-cost card
- Railway lounge users
Not ideal for
- High spenders seeking premium perks
Pros & cons
- Affordable annual fee with easy waiver
- Railway lounge access
- Limited cashback cap (₹50/month)
- High forex markup (3.49%)
Rewards
2% Cashback on Grocery, Utility & Departmental stores; 1% Cashback on other retail spends. Max cashback capped at ₹50 per month for the 2% category.
| Category | Earn rate |
|---|---|
| Travel | 3% |
| Groceries | 5% |
| Utilities | 5% |
| Cashback | 5% |
Welcome offer
5% Cashback on retail spends within first 90 days (Max ₹150)
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 2 complimentary railway lounge visits per quarter
More benefits
- Welcome Bonus: 5% Cashback on retail spends within first 90 days (Max ₹150)
- Milestone: ₹500 voucher on spending ₹1,00,000 or more in a card anniversary year.
Fees & charges
| Joining fee | ₹199 |
| Annual fee | ₹199 |
| Renewal fee | ₹199 |
| Fee waiver | Waived on annual spends of ₹40,000 |
| Waiver threshold | Spend ₹40,000/yr |
Eligibility
Min. income (annual)
₹25,000
Employment
Salaried / Self Employed
Frequently asked questions
How to waive the annual fee?
Spend ₹40,000/year for automatic waiver.
Does it offer international lounge access?
No, only domestic railway lounges.
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Find My Best CardAltura Credit Card
Annual fee ₹199