Skip to main content

AU Altura Credit Card

The AU Small Finance Bank Altura Credit Card is a simple and affordable card that gives cashback on almost all purchases. You can get up to 2% cashback, which is directly added to your account. If you spend ₹10,000 in a month, you also get an extra ₹50 as a reward. The card comes with free access to select railway lounges across India for a better travel experience.

If you want more benefits, the AU Altura Plus Credit Card is a better version with higher rewards. It offers up to 6,000 bonus Reward Points every month, worth ₹1,500. With low fees and great perks, this card is a good choice for those who want to save more while spending.

Credit Card Detail
Joining Fee
Rs. 199.00 +GST
Renewal Fee
Rs. 199.00 +GST
Best Suited For
Shopping | Cashback
Reward Type
Reward Points
Welcome Benefits
N/A
Rewards Rate
You get 2% cashback on utility bills, groceries, and purchases at departmental stores, and 1% cashback on all other spending.
Reward Redemption
N/A
Movie & Dining
N/A
Travel
Complimentary access to railway lounges.
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.49% per month
Spend-Based Waiver
Spend Rs. 10,000 in the first 90 days to get the fee waived. To get the annual fee waived, spend Rs. 40,000 or more in a year.
Rewards Redemption Fee
Nil
Cash Advance Charges
Rs. 100 or 2.5% of the cash amount withdrawn, higher of the two.
Foreign Currency Markup
3.49% +GST
Fuel Surcharge
Surcharge waiver of 1% on fuel transactions between Rs. 400 and Rs. 5,000.
Card Details
  • Cashback on spending: Earn 2% cashback on grocery, departmental store, and utility bill payments (maximum ₹50 per statement cycle).
  • General cashback: Get 1% cashback on all other purchases made using this card.
  • Fuel savings: Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at any fuel station in India.
  • Milestone rewards: Receive an extra ₹50 cashback when you spend ₹10,000 or more in a statement cycle.
  • Welcome offer: Get 5% cashback on retail purchases within the first 60 days.
  • Travel perks: Enjoy free access to select railway lounges across India.
  • Security protection: Benefit from zero liability in case of a lost or stolen card.
Pros/Cons
Pros
- This card gives you free access to railway lounges.
Cons
- This card does not offer free airport lounge access.
Frequently Asked Questions

Who should consider the AU Altura Credit Card?

This card is ideal for frequent travelers who want free railway lounge access, those looking to save on fuel with a surcharge waiver, and anyone who prefers a straightforward cashback and rewards system for daily expenses.

Can I apply for an Add-on Card for family members?

Yes, you can request an Add-on Card for your family or friends, allowing them to enjoy the benefits of your Altura Credit Card.

What taxes apply to this credit card?

A Goods and Services Tax (GST) of 18% is applicable on fees, charges, and interest associated with the card.

Does the AU Altura Credit Card support contactless payments?

Yes, you can make quick and secure contactless payments for transactions up to ₹5,000 without entering a PIN.

How do I claim the insurance benefits linked to my card?

To avail of the insurance benefits, contact AU Bank’s customer care helpline at 180012001500.

What is the interest-free period on the Altura Credit Card?

You can enjoy an interest-free credit period of up to 50 days, provided you clear the outstanding balance by the due date.

Leave a Reply

Restricted HTML

  • Allowed HTML tags: <a href hreflang> <em> <strong> <cite> <blockquote cite> <code> <ul type> <ol start type> <li> <dl> <dt> <dd> <h2 id> <h3 id> <h4 id> <h5 id> <h6 id>
  • Lines and paragraphs break automatically.
  • Web page addresses and email addresses turn into links automatically.