AU Bank Altura Credit Card
AU Bank AU Bank

AU Bank Altura Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹199 + Applicable Taxes

Renewal Fee: ₹199 + Applicable Taxes

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The AU Small Finance Bank Altura Credit Card is specifically tailored to offer cash back to cardholders. It can make your everyday spending categories such as groceries, utility bill payments, and departmental store purchases much more rewarding. It is a very affordable credit card with a low annual fee of ₹199. It allows the cardholders to save money on daily expenses along with enjoying various other benefits. It offers various benefits across various categories such as shopping, dining, and international spending.

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All You Need To Know

Card Type

Rewards & Travel

Welcome Benefit
  • 5% Cashback: Cardholders earn 5% cashback on retail spending if they spend ₹2,500 or more within the first 60 days of card issuance.
Cashback Rewards
  • Groceries, Departmental Stores, and Utility Bills: It offers 2% cashback on purchases in these categories. But this cashback is capped at ₹50 per statement cycle.
  • Other Retail Spends: Cardholders also get 1% cashback on all other retail transactions, which is also capped at ₹50 per statement cycle.
Milestone Benefits
  • Monthly Spend Bonus: Cardholders also earn an additional ₹50 cashback each statement cycle on spending ₹10,000 or more in retail transactions.
Travel Benefits
    It offers 2 complimentary railway lounge visits per calendar quarter at select stations, including Agra, Ahmedabad, Asansol, Delhi, Durgapur, Jaipur, Kolkata, Madurai, New Delhi, and Varanasi.
Fuel Surcharge Waiver
  • 1% Waiver: Avail a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across all petrol pumps in India, with a maximum waiver of ₹100 per statement cycle.
Additional Benefits
  • Contactless Payments: It comes with Contactless Payment facility for quick and secure payments of up to ₹5,000 without entering a PIN at participating merchants.
  • Card Liability Cover: Zero liability for fraudulent transactions post reporting card loss to the bank. Protection extends to card counterfeit/skimming and online frauds.
  • Xpress EMI: You can easily convert transactions of ₹2,000 or more into easy EMIs with flexible repayment tenures.

AU Altura Credit Card Eligibility

Eligibility Criteria of AU Altura Credit Card

  • Age: Primary cardholders should be between 21 and 60 years old. Add-on cardholders must be at least 18 years old.
  • Residency: Indian residents can apply for this credit card.

Documents Required For AU Altura credit card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, or letters issued by the UIDAI.
  • Proof of Address:Aadhaar Card, Driver’s License, Passport, utility bill (not older than 3 months), Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, or bank account statement.

Note: AU Bank may request additional documents as per their internal policies.

Fees and charges that apply to AU Altura Credit Card:

Fee / Charge Amount/Rate
Annual Fee ₹199 + Applicable Taxes
Joining Fee ₹199 + Applicable Taxes
Late Payment Charges -Up to ₹100: Nil- ₹101 to ₹500: ₹100- ₹501 to ₹5,000: ₹500- ₹5,001 to ₹10,000: ₹700- ₹10,001 to ₹20,000: ₹800- ₹20,001 to ₹50,000: ₹900- Above ₹50,000: ₹1,100
Foreign Currency Markup 3.49% on all international transactions
Cash Advance Charges 2.5% of the amount withdrawn or ₹100, whichever is higher
Over Limit Penalty 2.5% of the over-limit amount
Card Replacement Fee ₹100
Fuel Surcharge 1% (waived for transactions between ₹400 and ₹5,000, up to ₹100 per statement cycle)

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FAQs

The AU Bank Altura Credit Card has a joining fee of ₹199 plus applicable taxes. You can also get this fee waived by achieving certain spending milestones.

The card offers 2% cashback on groceries, departmental stores, and utility bill payments, and 1% cashback on other retail spends with a cashback cap of ₹50 per statement cycle.

Yes, this credit card offers 2 complimentary railway lounge visits per calendar quarter at select stations across India to enhance your travel experience.

Yes, this credit card offers a fuel surcharge waiver of 1% for fuel transactions ranging from ₹400 to ₹5,000. This waiver has a limit of ₹100 per statement cycle.

To apply for AU Bank Altura Credit Card the applicant must be a resident of India aged between 21 and 60 years. A good credit score of more than 750 can also increase your chances of approval. Add-on cardholders should be at least 18 years old.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

Check if you are eligible for AU Altura Credit Card on
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