AU Altura Credit Card

AU Altura Credit Card is a rewards credit card from AU Small Finance Bank. Users will get 1 reward point for every ₹100 spent. 1 reward point = ₹0.25.

Joining fee: ₹199
Annual fee: ₹199
Forex markup: 3.49%
Interest: 3.49% per month (41.88% annually)

More AU cards

Welcome benefits

Users will get 5% cashback on a minimum ₹2,500 retail spends done within the first 60 days of card setup (Maximum cashback per statement cycle is ₹150).

Rewards & cashback

Users will get 1 reward point for every ₹100 spent. 1 reward point = ₹0.25
Cashback rate: 0.25%
2 % cashback on all retail spends done at grocery stores, departmental stores and utility bill payments (Maximum cashback per statement cycle is ₹50).
1% cashback on all other retail spends* (Maximum cashback per statement cycle is ₹50).

Milestone benefits

Customers get an additional cashback of ₹50 on completing a minimum of ₹10,000 retail spends in every statement cycle

Airport lounge access

2 complimentary lounge access per calendar quarter, using VISA cards at railway stations

More benefits & features

A comprehensive card liability cover of up to ₹50,000, protecting you from unauthorized transactions

Fees & charges

Joining fee: ₹199
Annual fee: ₹199
Foreign currency markup: 3.49%
Interest rate: 3.49% per month (41.88% annually)
Late payment: ₹0 to ₹1100 for outstanding amount ranging from ₹0 to ₹50,000 + amount
Cash advance: 2.5% of amount withdrawn, subject to a minimum of ₹100
Fuel surcharge: 1%, waived for fuel transactions done between ₹400 and ₹5,000, across all fuel stations in the country (Maximum…
Billing cycle: 30 Days
Other fees: 2.5% of amount withdrawn, subject to a minimum of ₹100. | Fuel Surcharge: 1%, waived for fuel transactions done between ₹400 and ₹5,000,…

Pros and cons

What works well

Users will get 5% cashback on a minimum ₹2,500 retail spends done within the first 60 days of card setup (Maximum cashback per statement cycle is ₹150).
Users will get 1 reward point for every ₹100 spent. 1 reward point = ₹0.25
Cashback rate: 0.25%
2 % cashback on all retail spends done at grocery stores, departmental stores and utility bill payments (Maximum cashback per statement cycle is ₹50).
1% cashback on all other retail spends* (Maximum cashback per statement cycle is ₹50).
Customers get an additional cashback of ₹50 on completing a minimum of ₹10,000 retail spends in every statement cycle

Worth knowing

No international or domestic lounge access is available
Low cashback rate
Cashbacks on shopping is capped at a very low threshold - ₹50
No movie and dining rewards are available

Who can apply

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

How to apply

Here are the steps on how to apply for an AU Bank Altura Credit Card:

Go to the AU Bank website and click on the "Apply for Credit Card" tab
Select the Altura Credit Card from the list of credit cards
Enter your personal information, such as your name, address, and contact details
Enter your employment information, such as your employer's name and your income
Upload a copy of your PAN card and a recent passport-sized photograph
Read and agree to the terms and conditions of the credit card
Click on the "Submit" button
An AU Bank representative will contact you to verify your information and to complete the application process

Details come from information published by AU Small Finance Bank and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.