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AU Small Finance Bank

AU Altura

VisaMidCashback
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Annual Fee

₹199

Reward Type

Cashback

Forex

2%

Lounge

2 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹199
Annual Fee₹199(waived ≥ ₹39,800)
Min Monthly Income₹35,000

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Travel & Global

Forex Markup2%
Domestic Lounge2 visits/yr
Intl. LoungeNone
Lounge NetworkVisa

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💡 Fee Waiver Strategy

Spend ₹39,800/year to waive fees.

⚖️ Breakeven Analysis

To recover the ₹199 annual fee at the base reward rate of 1%, you need to spend ₹19,900 annually.

🎯 Pro Tips

  • ▸Portal anchored. Awaiting detailed benefits.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹11,801

Effective Rate

1.0%

Ranked #71 of 173 cards#71

₹199 annual fee deducted from gross rewards value.

🏷️ Best For

cashback