The AU Altura Credit Card offers attractive cashback on shopping, along with complimentary lounge access, milestone benefits, and more. If you're looking for a credit card that provides value across multiple categories, this card is a great choice. With the AU Bank Altura Credit Card, you can earn reward points every time you use it for shopping, dining, or international transactions. The annual fee for this card is just Rs.199.

AU Bank Altura Credit Card Rewards Program

Cashback Benefits

2% Cashback on grocery and departmental store spends.
2% Cashback on utility bill payments. (Max ₹50 per statement cycle)
1% Cashback on all other retail spends.
Additional ₹50 Cashback on retail spends of ₹10,000 or more in every statement cycle.

Other Features and Benefits

Welcome Benefits:

Get 5% cashback on minimum Rs. 2,500 retail spends done within the first 60 days of card setup.

Milestone Benefits:

Get additional Rs. 50 cashback when you spend Rs. 10,000 in every statement cycle.

Fuel Benefits:

Get 1% waiver on the fuel surcharge when you use the AU Bank Altura Credit Card at any fuel station in India.
Transaction amount must be between Rs. 400 and Rs. 5,000.
Maximum fuel surcharge waiver is Rs. 100 per statement cycle.

Railway Lounge Benefits:

Get 2 complimentary railway lounge visits per calendar quarter.
Lounge access is available at select railway stations: Agra, Ahmedabad, Asansol, Delhi, Durgapur, Jaipur, Kolkata, Madurai, New Delhi, and Varanasi.
Add-on cardholders can also use the same benefit within the allowed number of free visits.

EMI Benefits (XpressEMI):

Convert transactions of Rs. 2,000 or more into easy EMIs.
Call customer care at 1800 1200 1500 to book an XpressEMI.

Insurance Benefits – Card Liability Cover:

Zero liability on fraudulent transactions after reporting card loss.
Protection against credit card skimming, online frauds, and counterfeit usage.

Contactless Card Usage:

Use your AU Altura Credit Card for transactions up to Rs. 5,000 without entering your credit card PIN at participating merchants.

Add-On Cards:

Share the benefits of your Altura Credit Card with family members.
Add-on cards are issued free for a lifetime.

Fees and Charges

Type of Fees / Charges	Amount
Joining Fee	Rs. 199 + Applicable Taxes
Annual Fee	Rs. 199 + Applicable Taxes
Late Payment Fees	Less than Rs. 100 – NilRs.100 to Rs.500 – Rs.100 Rs.501 to Rs.5,000 – Rs.500 Rs.5,001 to Rs.10,000 – Rs.700 Rs.10,001 to Rs.20,000 – Rs.800 Rs.20,001 to Rs.50,000 – Rs. 900 Above Rs. 50,000 – Rs. 1,100

Things to Know Before you apply

Get this card if:

You want a lifetime-free credit card with cashback on everyday spends.
You regularly spend on groceries, utilities, and retail shopping.
You prefer a cashback-based card with simple reward structures.
You often travel by train and want free railway lounge access.
You’re looking for easy EMI options on purchases above ₹2,000.
You want fuel surcharge waiver benefits on your card spends.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For AU Bank Altura Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

AU Bank Altura Credit Card Hilights

What do we like about this card?

Earn 2% cashback on utility bill payments (maximum cashback of ₹50 per statement cycle).
Avail 1% fuel surcharge waiver on fuel purchases at any fuel station across India using the card.
Get an additional ₹50 cashback on spending ₹10,000 or more in a statement cycle.
Enjoy 2% cashback on spends at grocery and departmental stores.

Pros

EMI facility on spends above ₹2,000
Free lifetime add-on cards
Tap and pay feature up to ₹5,000
Zero liability on lost card after reporting
2% cashback on groceries, departmental stores, and utility bills

Cons

Cashback capped at ₹50 for utility bills
No airport lounge access
Limited travel benefits
Fixed cashback categories
No extra rewards on international spends
Limited reward redemption options

Au Bank Credit Card Contact Details

Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar, Jaipur – 302020, Rajasthan, India
Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
Simply SMS: SMS ZENITH to 5676766 to get a callback or apply