About AU Altura Credit Card
AU Altura Credit Card is an entry-level credit card that offers basic savings on everyday spends. As an AU credit card, it comes with a low joining and annual fee of ₹199 + taxes, making it affordable for beginners. This cashback credit card provides 2% cashback on groceries, departmental stores, and utility bills (capped at ₹50 per month), along with 1% cashback on other spends (also capped at ₹50 per month).
Along with cashback, the card also offers some travel credit card benefits like 8 complimentary railway lounge visits per year and a 1% fuel surcharge waiver, helping you save up to ₹1,200 annually. You can also earn milestone cashback by spending ₹10,000 every month.
Overall, this card is a good option for users looking for a simple and affordable credit card with cashback on daily expenses and basic travel benefits.
AU 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.
Also Read: Best Cashback Credit Cards in India
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.
Also Read: Best Fuel Credit Cards
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.
Also Read: Best Railway Lounge Access Credit Cards
Fee Waiver
- Joining fee waived on ₹10,000 spend within 90 days
- Annual fee waived on ₹40,000 yearly spend
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.
Also Read: Best AU Credit Cards
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 |
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Document Required For AU 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
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
AU Altura Credit Card Highlights
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.
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.
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
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Frequently Asked Questions
You can contact AU Bank customer care at 1800 1200 1500.
You can book an XpressEMI by calling the customer care number 1800 1200 1500.
No, reward points are not applicable on fuel transactions with this card.
Yes, AU Bank Altura Credit Card is a good option if you want cashback, lounge access, and fuel surcharge benefits.
A credit score of 750 or higher is generally recommended to be eligible for this card.
Yes, both the Annual Fee and Renewal Fee are the same for this credit card.
Yes, AU Bank charges ₹100 to reissue the Altura Credit Card if lost or misplaced.
This card is ideal for people who want railway lounge access and fuel surcharge savings.
