/ Credit Cards / AU Bank Altura Credit Card
AU Bank Altura Credit Card

AU Bank Altura Credit Card


Earn ₹1800 Cashaly Rewards

Annual Fee ₹ 199/-

Joining Fee ₹ 199/-

Swipe your AU Bank Altura Credit Card for shopping, dining, or international travel to accrue reward points. Upto 2% in cashback can be earned on all of your purchases and will be credited straight to your account. After spending Rs 10,000, you can earn an additional Rs 50 cashback each month under the milestone perks of the card.

Written By : Cashlay Advisor

Cashaly Rewards T&C

Rewards Tracked Within:72 Hours
Rewards Paid: Within 60-65 Days Of Card Disbursal
No Rewards Are Applicable If The Applicant's Mobile Number Is Changed During The Application.
No Rewards Are Applicable For Existing AU Bank Credit Card Holders
If You Apply For A Different Card Upon Redirecting You Will Be Eligible For The Rewards Rates Applicable To The Card Applied. For More Information Check The Details Of The Applied Card On Cashaly
Missing Rewards: Accepted
Rewards Will Be Provided In The Cashaly Account Not In AU Bank Application.
Do Not Visit Any Other Coupon Or Deal Site After Clicking Out From Cashaly.
Do Not Use A Referral Code While Applying For The Card.
No Rewards Are Applicable If You Cancel The Application.
Fraudulent Activity Will Lead To The Cancellation Of The Rewards. Cashaly's Decision Will Be Final In This Case.
If Your Rewards Do Not Track, Raise A Missing Cashback Query Within 30 Days From The Application Date.
Rewards Can Only Be Redeemed In Bank Account Through UPI.
Please Send Rewards Related Queries To Cashaly Only, Not To AU Bank.


Age: 21 years to 60 years

Occupation: Salaried or Self-Employed

Recommended Credit Score

Min 750

Welcome Offer

  • Within 60 days of the card's issuance date, get 5% cashback on retail purchases up to Rs 2,500

AU Bank Altura Credit Card Features

Earn 2% cashback when paying your utility bills. (Rs. 50 maximum cashback every statement cycle)
At any petrol station in India, receive a 1% waiver on the fuel surcharge.
Spend Rs. 10,000 in a single statement cycle to receive an extra Rs. 50 in cashback.
Earn 2% cashback at groceries and department stores.

Expert Review

Our Expert Review

The AU Altura Credit Card is particularly noteworthy for individuals who have a strong interest in dining and travel. With its substantial rewards, special dining discounts, and free train lounge access, this card elevates your quality of life beyond anything else.


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What are the benefits of AU Bank Altura Credit Card?

Many benefits are available with the AU Bank Altura Credit Card, which are designed to satisfy the needs of current consumers. Cardholders can earn points on every transaction through the flexible rewards program. These points can then be used for a range of benefits, such as cashback, travel vouchers, and gift cards from prominent brands. Furthermore, the card grants entry to exclusive discounts and deals in a variety of categories, including dining, shopping, and travel. The AU Bank Altura Credit Card is the perfect partner for both everyday and special occasion spending as it offers ease and comfort of mind to its card holders.

AU Bank Altura Credit Card Cashback Benefit

  • Every retail purchase made at grocery stores, department stores, and utility bill payment gives 2% cashback.
  • On every other retail purchase, receive 1% cashback.
  • Cashback is not available for transactions using cash, rent, gasoline, or wallets. Each statement cycle, the maximum cashback is Rs 50.

AU Bank Altura Credit Card Travel Benefits

  • Each calendar quarter, enjoy 2 complimentary visits to railway lounges located at railway stations in cities including New Delhi, Kolkata, Jaipur, Ahmedabad, Durgapur, Chennai, Varanasi, Agra, Madurai, and Asansol.
  • Add-on cardholders are also eligible to take use of these Railway lounge perks during the specified number of complimentary visits.

AU Bank Altura Credit Card Fuel Benefits

1% Fuel Surcharge Waiver for fuel transactions made at all petrol stations in the nation between Rs 400 and Rs 5,000 (maximum Rs 100 each statement cycle)

AU Bank Altura Credit Card Milestone Benefits

When you spend Rs. 10,000 during a statement cycle, you will receive an extra Rs. 50 in cashback.

AU Bank Altura Credit Card Additional Benefits

Contactless Card Usage - AU Bank Altura Card allows you to make simple, safe, and fast payments at authorised stores up to Rs. 5,000 without needing to enter your credit card PIN.

Card Liability Cover - Users who report a lost or stolen credit card to the bank are not liable for any fraudulent transactions made using the card. Additionally, you are protected against online fraud and card skimming.

Xpress EMI - You can use the Altura Credit Card to convert transactions totaling at least Rs. 2,000 into convenient EMI alternatives, and you can select a repayment period which is suitable for you.

Add-on Cards - Through AU Bank Credit Card Add-on card option, share the benefits of your Altura Credit Card with those you love. You can get your Add-on card for lifetime free. So, feel free to utilise it.

How to apply for the AU Bank Altura Credit Card?

You have two options for applying for an Altura credit card: you can apply online or at the closest bank location. To apply for the AU Bank Altura Credit Card online, take these steps:

  1. Visit the AU Small Finance Bank website.
  2. Verify your eligibility for any credit card pre-approval offers.
  3. In the event that you are not qualified for the offer, select "Apply Now" from the Credit Card part of the main menu.
  4. Put in your PAN and mobile number.
  5. Click 'Next' after selecting your Customer ID.
  6. Enter your personal information after confirming your Aadhaar number.
  7. Choose the credit card that you want.
  8. Send in your application.

AU Bank Altura Credit Card – Fees and Charges

The following table lists the fees and charges related with the AU Bank Altura Credit Card:

Joining Fee Rs 199
Annual/ Renewal Fee Rs 199
Finance Charges 3.59% per month (43.08% annually)
Interest Free Credit Period Up to 48 Days
Cash Withdrawal Fee 2.5% of amount withdrawn (minimum of Rs.100)
Late Payment Charges
  • Less than or equal to Rs 100 - Nil
  • Above Rs 100 to Rs 500 - Rs 100
  • Above Rs 500 to Rs 5,000 - Rs 500
  • Above Rs 5,000 to Rs 10,000 - Rs 700
  • Above Rs 10,000 to Rs 20,000 - Rs 800
  • Above Rs 20,000 to Rs 50,000 - Rs 900
  • Above Rs 50,000 - Rs 1,100

Eligibility Criteria & Documents Required For AU Bank Altura Credit Card

There are a few criteria that you must meet in order to apply for the AU Bank Altura Credit Card offer.

  • You must be at least 21 years old to participate.
  • With a steady monthly income, he or she should be self-employed or be employed on a salary.
  • The applicant must be an Indian national.
  • A credit history and a respectable credit score of at least 750 are excellent.

For each credit card application, you must submit the following documents. The following files need to be submitted:

Identity Proof - Voter ID card, driving licence, PAN card, and Aadhar card.

Address Proof - Utility bills on the name of the applicant for credit card issuance, Aadhar Card, Driving License, Voter ID Card, Passport.

Income Proof - Bank statements or salary slips from the previous three months. You may also provide evidence in the form of an ITR or Form 16.


1. Does Altura credit card offer complimentary airport lounge access?

No, the AU Bank Altura credit card does not provide complimentary access to airport lounges.

2. What is the AU Bank customer care number?

The AU Bank customer care number is 1800 1200 1500.

3. Does AU Altura credit card offer cashback for wallet spends?

The AU Bank Altura Credit Card does not offer cashback on purchases made using the wallet.

4. What fees will I incur for reissuing my AU Bank Altura credit card if I lost it?

In order to reissue the AU Bank Altura Credit Card, you will need to pay Rs. 100.

5. How do I close my Au Bank credit card?

You can close a credit card through customer service, online app, or any other method. Requests for closure must be handled within 7 business days.

6. Can I withdraw money from my AU Bank Altura credit card?

Depending on the card type, the cash withdrawal limit might be up to 40% of the credit limit. 5% of the entire amount owed, which includes the outstanding balance from the previous month and all EMIs, or a minimum of Rs 100, whichever is greater.

Earn ₹1800 Cashaly Rewards