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. As a welcome benefit, you get a 5% cashback on your retail spends done within the first 2 months from the card activation date. Moreover, you can earn a cashback of up to 2% on all your spends, 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.
Keeping its customers’ travel needs in mind, the card also provides them with complimentary access to selected railway lounges in India. You can also save more by getting your joining and renewal fee waived off on the basis of your spends. To know more about the Altura Credit Card by AU bank, check the detailed information given below:
AU Bank Altura Credit Card

Fee
Joining Fee
Rs. 199 + applicable taxes
Renewal Fee
Rs. 199 + applicable taxes
Best Suited For
Shopping |
Reward Type
Reward Points
Welcome Benefits
Get a 5% cashback on retail spends worth Rs. 2,500 or more within 60 days.
Movie & Dining
NA
Rewards Rate
Cashback of 2% on utility bills, groceries, and departmental stores and cashback of 1% on all other spends.
Reward Redemption
NA
Travel
Complimentary access to railway lounges.
Golf
NA
Domestic Lounge Access
2 complimentary visits to railway lounges in India per quarter.
International Lounge Access
NA
Insurance Benefits
NA
Zero Liability Protection
Zero liability of the credit cardholder in case of loss or theft of card post reporting the same to the bank.
Spend based Waiver
The joining and renewal fees will be waived off on the basis of the amount that you spend using your credit card.
Rewards Redemption Fee
Nil
Rewards Redemption Fee
Nil
Foreign Currency Markup
3.49% on all international spends.
Interest Rates
3.49% per month
Fuel Surcharge
Surcharge waiver of 1% on fuel transactions between Rs. 400 and Rs. 5,000.
Cash Advance Charge
Rs. 100 or 2.5% of the cash amount withdrawn, higher of the two.
Add-on Card Fee
Nil
- A cashback of 5% on retail spends within the first 60 days.
- 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 spends.
- Complimentary access to selected railway lounges in India.
- Surcharge waiver of 1% on fuel transactions.
- Zero liability protection against a lost card.
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. As a welcome benefit, you get a 5% cashback on your retail spends done within the first 2 months from the card activation date. Moreover, you can earn a cashback of up to 2% on all your spends, 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.
Keeping its customers’ travel needs in mind, the card also provides them with complimentary access to selected railway lounges in India. You can also save more by getting your joining and renewal fee waived off on the basis of your spends. To know more about the Altura Credit Card by AU bank, check the detailed information given below:
Welcome Benefits
- If the cardholder is able to spend an amount of Rs. 2,500 or more using his credit card within the first 60 days of the card issuance date, you will get a cashback of 5%.
- The maximum cashback per statement cycle is capped at Rs. 150.
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 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, New Delhi, Ahmedabad, Jaipur, Agra, and Madurai.
- The primary, as well as add-on cardholders, can enjoy the 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.
Spend-Based Waiver
- If the credit cardholder spends an amount exceeding Rs. 10,000 or more using his credit card within the first 90 days of the card issuance date, the joining fee of Rs. 199 will be waived off.
- The renewal fee of Rs. 199 of this credit card will be waived off if the cardholder spends an amount of more than Rs. 40,000 in an anniversary year.
Eligibility Criteria
To get the AU Small Finance Bank Altura Credit Card, you will have to fulfill the below-mentioned criteria:
- The primary applicant should be between 21 years to 60 years of age.
- The add-on applicant should be above the age of 18 years.
- The applicant should be an Indian resident.
How To Apply?
- Visit the official website of the bank https://www.aubank.in/.
- Under the section cards, choose ‘Credit Card.’
- Select the AU Small Finance Bank Altura Credit Card & click on view details.
- Click on ‘Apply Now.’
- Enter your mobile number and verify it using OTP.
- Proceed with the application.
Bottom Line
The AU Small Finance Bank Altura Credit Card provides amazing cashback offers with a very nominal annual fee of Rs. 199 only. Along with being a pocket-friendly card, the card can be considered a great choice for people who are going to start their credit journey and want to have a card with amazing saving opportunities. The card doesn’t only provide you with cashback but also allows you to save a lot by getting your annual fee waived off every year. So, if you are looking for an entry-level credit card to start your credit journey, the AU Small Finance Bank Altura Credit Card would be a perfect choice for you.
FAQs:
The annual fee of the Altura Credit Card is Rs. 199 + applicable taxes.
On groceries, departmental stores, and utility bills, you can avail of a maximum cashback of Rs. 150 every statement cycle.
Yes, you can get the joining fee waived off for your AU Small Finance Bank Altura Credit Card by spending Rs. 10,000 within the first 90 days after card issuance.
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.