Welcome Benefit: Users will get 5% cashback on a minimum Rs 2,500 retail spends done within the first 60 days of card setup. (Maximum cashback per statement cycle is Rs 150).
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AU Altura Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get 5% cashback on a minimum Rs 2,500 retail spends done within the first 60 days of card setup. (Maximum cashback per statement cycle is Rs 150).
Milestone Benefits
Milestone Benefit: Customers get an additional cashback of Rs 50 on completing a minimum of Rs 10,000 retail spends in every statement cycle.
Cashback Rate
Users will get 1 reward point for every INR 100 spent. 1 reward point = INR 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 INR 50).
1% cashback on all other retail spends*. (Maximum cashback per statement cycle is INR 50).
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
2 complimentary lounge access per calendar quarter, using VISA cards at railway stations.
Lounge Access
Other Benefits: 2 complimentary lounge access per calendar quarter, using VISA cards at railway stations.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get 5% cashback on a minimum Rs 2,500 retail spends done within the first 60 days of card setup. (Maximum cashback per statement cycle is Rs 150).
Milestone Benefits
Milestone Benefit: Customers get an additional cashback of Rs 50 on completing a minimum of Rs 10,000 retail spends in every statement cycle.
Cashback Rate
Users will get 1 reward point for every INR 100 spent. 1 reward point = INR 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 INR 50).
1% cashback on all other retail spends*. (Maximum cashback per statement cycle is INR 50).
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
2 complimentary lounge access per calendar quarter, using VISA cards at railway stations.
Lounge Access
Other Benefits: 2 complimentary lounge access per calendar quarter, using VISA cards at railway stations.
Fees & Charges of
AU Altura Credit Card
Joining Fee
Rs.199
Annual Fee
Rs. 199
Cash Advance Fee
2.5% of amount withdrawn, subject to a minimum of INR 100.
Interest rate
Interest Rate: 3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: Rs 0 to Rs 1100 for outstanding amount ranging from Rs 0 to Rs 50,000 + amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 3.49%
Other Fees
Cash Advance Charges: 2.5% of amount withdrawn, subject to a minimum of ₹ 100. | Fuel Surcharge: 1%, waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum cashback INR 100 per statement cycle). | Reward Point Redemption Fee: INR 99.
Joining Fee
Rs.199
Annual Fee
Rs. 199
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: Rs 0 to Rs 1100 for outstanding amount ranging from Rs 0 to Rs 50,000 + amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 3.49%
Other Fees
Cash Advance Charges: 2.5% of amount withdrawn, subject to a minimum of ₹ 100. | Fuel Surcharge: 1%, waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum cashback INR 100 per statement cycle). | Reward Point Redemption Fee: INR 99.
Fee and Charges of
AU Altura Credit Card
Special Features
A comprehensive card liability cover of up to ₹50,000, protecting you from unauthorized transactions.
Eligibility Criteria
Primary cardholder between the age of 21 years and 60 years.
Add-on cardholder should be over 18 years.
Resident Indian.
Speical Feature, Eligibility and Benefits of
AU Altura Credit Card
How to apply for Credit Card?
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.
Contact Details
Toll Free No: 1800 1200 1200
1800 26 66677
Email: customercare@aubank.in
Account Opening and Procedure of
AU Altura Credit Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
AU Small Finance Bank offers limited number of benefits. Most of the benefits are capped at a ridiculously low threshold level. The card has no USP. At present there are multiple cards offering much better benefits than Altura.
AU Small Finance Bank offers limited number of benefits. Most of the benefits are capped at a ridiculously low threshold level. The card has no USP. At present there are multiple cards offering much better benefits than Altura.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai