AU Altura Credit Card
- Updated On: 16 April, 2026
The AU Small Finance Bank Altura Credit Card is a basic cashback credit card that allows you to save a lot as you get a cashback on almost every purchase you make. You can earn a cashback of up to 2% on all your spending, which is directly credited to your account. Along with the regular cashback, you can earn Rs. 50 cashback additionally every month under the card’s milestone benefits after spending Rs. 10,000.
Keeping its customers’ travel needs in mind, the card also provides them with complimentary access to selected railway lounges in India. To know more about the Altura Credit Card by AU Bank, check the detailed information given below:
AU Altura Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
Cashback of 2% on utility bills, groceries, and departmental stores and cashback of 1% on all other spends.
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
Cashback of 2% on utility bills, groceries, and departmental stores and cashback of 1% on all other spends.
Reward Redemption
N/A
Travel
Complimentary access to railway lounges.
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Spend Rs. 10,000 in the first 90 days for a fee waiver. For an annual fee waiver, there should be spends of Rs. 40,000 or more in a year.
Rewards Redemption Fee
Nil
Foreign Currency Markup
3.49% on all international spends.
Interest Rates
3.49% per month
Fuel Surcharge Waiver
Surcharge waiver of 1% on fuel transactions between Rs. 400 and Rs. 5,000.
Cash Advance Charges
Rs. 100 or 2.5% of the cash amount withdrawn, higher of the two.
Product Details
- 2% cash back on groceries, departmental stores, and utility bills.
- 1% cashback on all other spends using this credit card.
- A cashback of Rs. 50 every month while you achieve the milestone spending.
- Complimentary access to selected railway lounges in India.
- Surcharge waiver of 1% on fuel transactions.
- Zero liability protection against a lost card.
AU Bank Altura Credit Card Cashback & Features
AU Small Finance Bank Altura Credit Card Cashback
- You get 2% cashback on groceries, utility bill payments, and departmental stores (capped at Rs. 50 per statement cycle).
- You get a cashback of 1% on all other spends (capped at Rs. 50 per statement cycle).
- You don’t get any cashback on fuel, rent, cash and wallet transactions.
Milestone Benefit
You can earn a cashback of Rs. 50 every statement cycle on exceeding spends of Rs. 10,000.
Travel Benefits
- Every quarter, the cardholders will get 2 complimentary visits to the railway lounges.
- You can avail of the lounge facility at selected locations, including Kolkata, Ahmedabad, Jaipur, Agra, and Madurai.
- The primary and add-on cardholders can enjoy complimentary lounge access within the above-mentioned numbers.
Fuel Surcharge Waiver
- The cardholders will get a surcharge waiver of 1% on all fuel transactions ranging between Rs. 400 and Rs. 5,000 at all fuel stations in the country.
- The surcharge waiver amount is capped at Rs. 100 per statement cycle.
Eligibility Criteria
To get the AU Small Finance Bank Altura Credit Card, you will have to fulfil the below-mentioned criteria:
- The primary applicant should be between 21 and 60 years of age.
- The add-on applicant should be above the age of 18 years.
- The applicant should be an Indian resident.
AU Bank Altura Credit Card Review
The AU Small Finance Bank Altura Credit Card provides amazing cashback offers with minimum annual or renewal charges. Along with being a pocket-friendly card, the card is an excellent choice for people who are going to start their credit journey and want a card with fantastic saving opportunities. Individuals seeking a similar card with more features can also check out the Altura Plus Credit Card.
FAQs:
What is the annual fee of the AU Small Finance Altura Credit Card?
The Altura credit card comes with a joining and annual charge of Rs. 199 + GST
What is the maximum cashback I can earn every month on groceries?
On groceries, departmental stores, and utility bills, you can avail of a maximum cashback of Rs. 150 every statement cycle.
Does this card provide any complimentary airport lounge access?
No, the AU Small Finance Bank Altura Credit Card doesn’t provide any airport lounge access, but it comes with complimentary railway lounge access for primary as well as add-on cardholders.