By Bharti Bisht
Updated On November 24, 2021

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 Small Finance bank, check the detailed information given below:

AU Bank Altura Credit Card

Best Suited For

Shopping |

Joining Fee

Rs. 199 + applicable taxes

Reward Type

Cashback |

Product Details

  • 5% cashback 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 your AU Small Finance Bank Altura Credit Card.
  • A cashback of Rs. 50 every month on achieving the milestone spend.
  • Complimentary railway lounge access at selected stations.
  • 1% fuel surcharge waiver.
  • Zero liability protection against a lost card.

Rewards and Benefits

Welcome Benefits

Get a 5% cashback on retail spends worth Rs. 2,500 or more within 60 days.

Movie & Dining

NA

Rewards Rate

2% cashback on groceries, utility bills and departmental stores and 1% cashback on other spends.

Reward Redemption

NA

Travel

Get complimentary railway lounge access.

Golf

NA

Domestic Lounge Access

2 complimentary domestic railway lounge access every quarter.

International Lounge Access

NA

Insurance Benefits

NA

Zero Liability Protection

You get zero liability protection against the lost card post reporting the loss to the bank.

Fees & Charges

Joining Fee

Rs. 199 + applicable taxes

Renewal Fee

Rs. 199 + applicable taxes

Spend based Waiver

Joining fee waived off on spending Rs. 10,000 within the first 90 days and the renewal fee waived off on spending Rs. 40,000 or more in the previous year.

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.49% on all foreign currency spends.

Interest Rates

3.49% per month

Fuel Surcharge

1% fuel surcharge waiver for all fuel transactions between Rs. 400 & Rs. 5,000.

Cash Advance Charge

2.5% of the cash amount withdrawn subject to a minimum of Rs. 100

Add-on Card Fee

Nil

Welcome Benefits

  • You get a cashback of 5% on your retail spends worth Rs. 2,500 or more within the first 60 days after the card activation date.
  • 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 achieving a spend of Rs. 10,000 or more.

Travel Benefits

  • You get 2 complimentary domestic railway lounge access every quarter.
  • 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 number mentioned above.

Fuel Surcharge Waiver

  • You get a 1% fuel surcharge waiver for all fuel transactions between Rs. 400 and Rs. 5,000.
  • The maximum fuel surcharge waiver is capped at Rs. 100 per statement cycle for this card.

Spend-Based Waiver

  • The joining fee of Rs. 199 is waived off if you spend Rs. 10,000 or more within the first 90 days from the card activation date.
  • The renewal fee is waived off if you spend Rs. 40,000 or more in the previous anniversary year.

Eligibility Criteria

To get the AU Small Finance Bank Altura Credit Card, you will have to fulfill the below-mentioned criteria:

  • The age of the primary cardholder should lie between 21 years to 60 years.
  • The age of the add-on cardholder should be above 18 years.
  • The applicant should be a resident of India.

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.

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