AU Bank Altura Credit Card - Features, Benefits, Fees & Charges

AU Bank Altura Credit Card (3.5)

Cashback Best For: Cashback
From
Powered By

If you're in search of a credit card that suits your spending habits and offers a wide range of additional benefits such as cashback, railway lounge access, and free card liability cover, then the Altura Credit Card could be a great fit for you! With a joining and annual fee of just ₹199, this card offers a 5% cashback on retail spending as a welcome benefit, 2% cashback on groceries and utility bill payments, free lounge access, and much more! Keep reading to learn more about its features. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

5% cashback on a minimum ₹2500 retail spends done within the first 60 days of card setup. (Maximum cashback per statement cycle is ₹150)

Cashback Benefit
  • 2% Cashback on all retail spends done at grocery stores, departmental stores and utility bill payments.
  • 1% Cashback on all other retail spends.
  • Basic Cashback Rate: 1% to 2%.
Milestone Benefit

Get additional cashback of ₹50 on completing a minimum of ₹10,000 retail spends in every statement cycle.

Lounge Access

2 free railway lounge access per calendar quarter, using Visa Card at railway stations. 

Fuel Surcharge

1% fuel surcharge waiver for fuel transactions done between ₹400 and ₹5,000 across all fuel stations in the country.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹199

Annual Fee

₹199

Annual Percentage Rate

43.08%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

40%

Card Replacement Fee

₹100

Foreign Transaction Fee

3.49%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

2%
Late Payment Charges

Balance below ₹100

Nil

Balance from ₹100 to ₹500

₹100

Balance from ₹500 to ₹5000

₹500

Balance from ₹5000 to ₹10000

₹700

Balance from ₹10000 to ₹20000

₹800

Balance from ₹20000 to ₹50000

₹900

Balance more than ₹50000

₹1100
Pros

Aspects that make this credit card amazing.

  1. Add-on cardholders can also get railway lounge benefits.
  2. Lounge access per calendar quarter within India.
  3. Protected against card counterfeiting, skimming and online frauds.
Cons

Aspects this credit card lacks.

  1. Maximum cashback can only be of ₹50 per statement cycle.
  2. No entertainment benefits offered.
AU Bank Altura Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(2)

Customer Service

(3)

AU Bank Altura Credit Card Review

The AU Bank Altura Credit Card is a decent option for individuals who are looking for a cashback credit card with a variety of other benefits. It offers 2% cashback on groceries, departmental stores, utility bills, and fuel.
However, it is important to note that the annual fee of ₹199 can be waived only if you spend ₹40,000 in a year. If you are not able to meet this spending requirement, then you will have to pay the annual fee. Additionally, the cashback rate on all other retail spends is only 1%, which is relatively low compared to some other cashback credit cards.
Overall, the AU Bank Altura Credit Card is a good option for individuals who spend heavily on groceries, departmental stores, utility bills, and fuel. However, if you are not able to meet the annual spending requirement or if you are looking for a higher cashback rate on all retail spending, then you may want to consider other credit cards like:
1. SBI Cashback Credit Card
2. HDFC Millennia Credit Card
3. Airtel Axis Bank Credit Card

Overview

Joining and Annual Fee ₹199 + taxes 
Welcome Bonus 5% Cashback on a minimum ₹2500 retail spends done within the first 60 days of card setup.

Best For

Cashback
Card Type Regular
Card Network Visa

Cashback on AU Bank Altura Credit Card

Spending Category Cashback Rate Maximum cashback per statement cycle
Groceries, departmental stores, and utility bills 2% ₹50
All other retail spends     1% ₹50

Who should opt for an AU Bank Altura Credit Card?

The AU Bank Altura Credit Card is a good option for individuals who:

  • Spend heavily on groceries, departmental stores, utility bills, and fuel.
  • Travel frequently and want to enjoy free railway lounge access.
  • Are looking for a credit card with travel insurance coverage.
  • Are able to meet the annual spending requirement of ₹40,000 to waive the annual fee.

How to apply for an AU Bank Altura Credit Card?

To apply for AU Bank Altura Credit Card, follow the below steps:

Step 1: Visit select.finology.in and click on the 'Credit Card' tab.
Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.
Step 3: Choose AU Small Finance Bank from the list.
Step 4: Choose AU Bank Altura Credit Card and click on the 'Apply Now' button.
Step 5: Provide the required consent, and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.
Step 6: Fill in the credit card application form and attach the documents required.

AU Bank Altura Credit Card Eligibility

  • Primary cardholder between the age of 21 years and 60 years.
  • Add-on cardholder should be over 18 years.
  • Resident: Indian.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
AU Small Finance Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

AU Small Finance Bank

AU Small Finance Bank Credit Card Customer Care Number:

1800 1200 1500

Email Support:

creditcard.support@aubank.in

AU Small Finance Bank Card Offers:

View Offers

Total Cards:

10,09,484
AU Small Finance Bank Credit Card News
03 Nov 2023, Friday
1. Ixigo has partnered with AU Small Finance Bank to launch a cobranded credit card to cater to the growing demand of travellers from smaller markets.

The ixigo-AU co-branded credit card enables customers to experience seamless travel across all travel verticals, including flights, trains, buses, and hotels. The co-branded credit card provides a range of exclusive benefits that cater to the requirements of both frequent and occasional travellers. It is specifically designed to address the evolving needs of modern travellers who seek flexibility, convenience, and value.


This co-branded card entitles travellers to discounts of up to 10% on flights, buses, and hotel bookings made through the ixigo platform. With its diverse offerings and advantages, this credit card presents itself as an ideal choice for customers who demand an all-in-one travel solution.

06 Oct 2023, Friday
2. Earn a 10% cashback on Amazon Great Indian Festival Sale and Flipkart Big Billion Days Sale when you make payments with AU Bank Credit Cards.

It's a good time to shop online and save some money!
AU Bank has introduced a festive season offer for cashback on Amazon and Flipkart. Customers using AU Bank Credit Cards can earn 10% cashback on purchases during the offer period, which runs from October 7th to October 12th, 2023. The minimum transaction amount to qualify for this offer is Rs. 5,000, and customers can earn up to Rs. 1,500 in cashback.

AU Bank is known for providing excellent deals and offers through its lifetime free credit cards. This offer is particularly advantageous for those planning to shop during the Big Billion Day Sale on Flipkart and the Great Indian Festival Sale on Amazon.

Note-
- The offer is not valid on AU Bank Corporate Cards.
- This offer is only valid on the following categories – Mobile Phones, Electronics, Furniture, Apparel, and Household Appliances.

AU Bank Altura Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

Yes, you can link your AU Bank Altura Credit Card to digital wallets or mobile payment apps. Here are the steps on how to do it:

  1. Open your digital wallet or mobile payment app.
  2. Go to the "Add Card" or "Link Card" section.
  3. Enter your Altura Credit Card details, such as the card number, expiry date, and CVV code.
  4. Confirm the details and click on "Add Card" or "Link Card".

Once your card is linked, you can use it to make payments at merchants that accept digital wallets or mobile payment apps. You can also use it to make online and in-app purchases.

Yes, the AU Bank Altura Credit Card has an annual fee of Rs. 199. However, the fee is waived off if you spend Rs. 40,000 in a year. This means that if you use your card regularly and make your payments on time, you can avoid paying the annual fee.

The AU Bank Altura Credit Card is a cashback credit card that offers rewards on a variety of spending categories, including groceries, departmental stores, utility bills, and fuel. It also comes with a number of other benefits, such as complimentary railway lounge access and insurance coverage.

Here are some of the key features and benefits of the AU Bank Altura Credit Card:

Cashback

  • 2% cashback on all retail spends done at grocery stores, departmental stores, and utility bill payments (maximum cashback of Rs. 50 per statement cycle)
  • 1% cashback on all other retail spends (maximum cashback of Rs. 50 per statement cycle)

The AU Bank Altura Credit Card offers a variety of rewards and benefits, including:

Cashback

  • 2% cashback on all retail spends done at grocery stores, departmental stores, and utility bill payments (maximum cashback of Rs. 50 per statement cycle)
  • 1% cashback on all other retail spends (maximum cashback of Rs. 50 per statement cycle)

Welcome benefits

  • 5% cashback when you spend Rs. 2,500 within the first 60 days of card setup (maximum cashback of Rs. 150 per statement cycle)
  • Get an additional Rs. 50 cashback when you spend Rs. 10,000 in every statement cycle

Other benefits

  • Complimentary railway lounge access 4 times per quarter
  • Complimentary card liability cover of up to Rs. 1 lakh
  • Fuel surcharge waiver of 1% on all fuel purchases

To apply for the AU Bank Altura Credit Card, you can either apply online or by visiting a branch of AU Small Finance Bank.

To apply online:

  1. Go to the AU Small Finance Bank website and click on the "Credit Cards" tab.
  2. Click on the "Apply Now" button next to the Altura Credit Card.
  3. Enter your basic personal and financial information, such as your name, address, date of birth, income, and employment details.
  4. Review your application and click on the "Submit" button.

To apply at a branch:

  1. Visit a branch of AU Small Finance Bank and speak to a customer representative.
  2. The customer representative will provide you with a credit card application form.
  3. Fill out the form with your personal and financial information.
  4. Submit the form to the customer representative.

Once you have submitted your application, AU Small Finance Bank will review it and make a decision on your application. If you are approved for the card, you will receive it within a few weeks. Once your card is activated, you can start using it to make purchases and earn rewards.

Similar Credit Cards

Amazon Pay ICICI Bank (4.7) Full Details

Co-Branded
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

Free

Annual Fee

Free

Annual Percentage Rate

42%

Axis Bank Ace (4.6) Full Details

Regular
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

52.86%

HDFC Bank Millennia (4.5) Full Details

Regular
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹1,000

Annual Fee

₹1,000

Annual Percentage Rate

43.2%

Standard Chartered Super Value Titanium (4.3) Full Details

Regular
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

₹750

Annual Fee

₹750

Annual Percentage Rate

45%

Standard Chartered Smart (4.3) Full Details

Cashback
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

45%