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About Card

AU BANK Altura Credit Card

The AU Small Finance Bank Altura Credit Card is a basic credit card that grants you free access to lounges and cashback on all of your purchases. You receive 5% cash back as a welcome bonus on retail purchases made within the first two months of the card's activation, and you earn 2% cash on all other purchases that are directly deposited to your account. The milestone advantages of the card allow you to earn an additional Rs 50 cashback each month in addition to the usual cashback. If you adhere to the card's spending waiver requirements, you can also save money. Continue reading our provided articles below for additional information regarding the about card.


Joining Fee


Best Suited For


199+Applicable taxes



What you'll love

  • 5% cashback on retail purchases made in the first 60 days.
  • On grocery, department stores, and utility bills, 2% cash back is offered.
  • This credit card offers 1% cash back on all other purchases.
  • 50 rupees in rewards each month until you reach the target spending amount.
  • Access to selected Indian railway lounges is free.
  • 1% of the surcharge on fuel purchases is waived.
  • No protection against lost cards in terms of responsibility.


  • Photo id: Pan Card, Addhar card, Passport, Voter id, Job Card issued by Nerega

  • Valid address Proof- Addhar card, Passport, Voter id card, House Registry documents,Utility bill not more than 2 months old

  • Income proof: Latest 2 month’s salary slip, latest form 16, and latest bank statement

Eligibility For Altura Credit Card

  • For Salaried

    Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 25,000

  • For Self Employed

    Indian National
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹5.0 Lakhs per annum

You'll also love

Rewards Benefit

  • 1.5% cashback on all POS retail spends,
  • 1 Reward Point per Rs. 100 spent after reaching the maximum cashback limit.

Rewards Redemption

  • The earned reward point can be redeemed at the AU Rewardz portal at a rate of 1 Reward Point= Rs0.25

Fuel Surcharge Waiver benefit

  • Get a 1 % surcharge waiver on fuel for transaction amount  400 to 5000. The maximum fuel surcharge waiver that can be received on any transaction is Rs. 150 per statement cycle

Fee Waiver benefit

  • Joining fee waived off on spending Rs. 20,000 or more within the first 90 days and the renewal fee waived off on spending Rs. 80,000 in the previous year.

Welcome benefit

Gift voucher worth Rs. 500 from some top brands.

Lounges access benefit

  •  2 complimentary visits of Indian Railway lounges per  quarter 

Dining & Movie benefit

  • 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.

Why Should You Choose This Card?

This card is suitable for individuals who are new to credit and want to begin a fresh path with a credit card because it offers fantastic cashback with the lowest annual fee possible of Rs 199. If you satisfy the annual spending requirement for the card, you will also receive cash back and be able to avoid paying an annual fee. Hence, the AU Small Finance Bank Altura Credit Card would be the ideal alternative for you if you’re looking to start your journey and desire an entry-level credit card with lower fees.

Fees and Charges on the AU BANK ALTURA Credit Card

Fees & Charges


Joining Fees

199+ Applicable taxes

Renewal Fees

199+ Applicable taxes

Interest-free period

Up to 50 days

Cash Withdrawal Limit

30 % of the card limit

Foreign Exchange Markup

3.49% of the transaction amount

Finance Charges/Cash Advance Fee

2.50% of the amount

Over Limit Fee

2.50% of the amount

Add on Card Fee


Late Payment Charges

For Amount

  • Less than or equal to Rs 100- Nil
  • From Rs. 100 to Rs. 500- Rs. 100
  • From Rs. 500 to Rs. 5,000- Rs. 500
  • From Rs. 5,001 to Rs. 10,000- Rs.700
  • From Rs. 10,000 to -Rs 20,000 -Rs.800
  • From Rs. 20,000 to Rs 50,000 – Rs .900
  • Above Rs 50,000-Rs.1100

Payment Return Charges ( For Chq/Auto Pay)

Rs 350 Per instance

FAQs on AU BANK LIT Credit Card

  • Every local Indian resident who meets the eligibility requirements for credit card applications may apply for an AU BANK credit card.

  • Yes, you can choose to get an Add-on Card for your family and friends when you use your Altura Credit Card.

  • GST will be levied at the rate of 18% on fees and charges and interest rates applicable to your card.

  • Yes, you can use Altura Credit Card for contactless payments for amounts up to Rs. 5,000.

  • The annual fee of the Altura Credit Card is Rs. 199 + applicable taxes.

  • 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

Core Features

Get the Best Benefit with ALTURA credit Card

AU Bank has credit cards suiting everyone’s needs.You can compare and apply for an AU BANK credit card that best matches your spending preferences.

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