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AU Altura Credit Card

Home Credit Card AU Small Finance Bank AU Altura Credit Card
Updated: 04-12-2025 06:23:58 AM

AU Altura Credit Card offers generous cashback offers on shopping along with complimentary lounge access, milestone benefits, etc. If you wish to get a card for benefits across multiple categories, this card can be a good option.

Key Highlights of AU Altura Credit Card
Annual Fee Rs. 199 + applicable taxes
Welcome Benefit 5% Cashback on minimum Rs. 2,500 retail spends done within first 60 days of card setup
Suitable For Travel and Shopping 

Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit AU Small Finance Bank’s website.

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AU Altura Credit Card- Features and Benefits
AU Altura Credit Card Fees & Charges
Altura Credit Card Eligibility & Documentation
How to Apply for an AU Altura Credit Card?
Frequently Asked Questions
AU Altura Credit Card- Features and Benefits

Following are the features and benefits of having an AU Altura Credit Card:

Welcome Benefit – 5% Cashback on minimum Rs. 2,500 retail spends done within first 60 days of card setup.

Milestone Benefit- Additional cashback of Rs.50 on completing a minimum of Rs.10,000 retail spends in every statement cycle.

Cashback–   

  • 2% Cashback on all retail spends done at grocery stores, departmental stores and utility bill payments
  • 1% Cashback on all other retail spends

Railway Lounge Access- Get 2 complimentary lounge access per calendar quarter using Altura Credit Card at railway stations in  Agra, Ahmedabad, Asansol, Delhi, Durgapur, Jaipur, Kolkata, Madurai, New Delhi, and Varanasi.

Fuel Surcharge Waiver – 1% fuel surcharge waiver for transactions done between Rs. 400 and Rs. 5,000 across all petrol pumps in the country. The maximum fuel surcharge waiver that can be received on any transaction is Rs. 100 per statement cycle.

Other Benefits

Contactless Card Usage-

For amounts up to Rs. 5,000 you can use AU Altura Card for quick, secure, and easy payments at participating merchants without entering the credit card PIN.

Card Liability Cover-

If the credit card is lost, users have zero liability for any fraudulent transactions made with the card after reporting the loss to the bank. You also get protection against card counterfeit/skimming and online frauds.

Xpress EMI-

With Altura Credit Card, you can convert your transactions worth Rs. 2,000 or more into easy EMI options and choose a repaying tenure as per your convenience.

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AU Altura Credit Card Fees & Charges
Type of Fees / Charges Amount 
Joining Fee  Rs. 199 + Applicable Taxes
Annual Fee  Rs. 199 + Applicable Taxes
Late Payment Fees Less than Rs. 100 – NilRs.100 to Rs.500 – Rs.100
Rs.501 to Rs.5,000  – Rs.500
Rs.5,001 to Rs.10,000  – Rs.700
Rs.10,001 to Rs.20,000 –  Rs.800
Rs.20,001 to Rs.50,000 – Rs. 900
Above Rs. 50,000 – Rs. 1,100

Click here to know about more fees and charges related to Altura Credit Card

Altura Credit Card Eligibility & Documentation

You can apply for AU Altura Credit Card only if:

  • You are an Indian resident
  • You fall within the age bracket of 21-60 years 

In case you are applying as an add-on cardholder, you should be 18 years and above. 

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
Proof of Address Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement
Proof of Income Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement
How to Apply for an AU Altura Credit Card?

To apply for an Altura credit card, you can go to the nearest bank branch and apply for the same. To get further assistance related to credit cards, you can call the bank’s toll-free number:

1800 1200 1200

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Frequently Asked Questions

Q. Who should get AU Altura Credit Card?

AU Altura Credit Card is best suited for you, if:

  • You travel and would like to get railway lounge access
  • You want to save on fuel surcharge

Q. Can I get an Add-on Card with Altura Credit Card?

Yes, you can opt for an Add-on Card with Altura Credit Card for your family and friends.

Q. How much GST will be applicable on my Altura Credit Card?

GST will be levied at the rate of 18% on fees and charges and interest rates applicable to your card.

Q. Can Altura Credit Card be used for contactless payments?

Yes, you can use Altura Credit Card for contactless payments for amounts up to Rs. 5,000.

Q. Is the Annual Fee and Renewal Fee the same for Altura Credit Card?

Yes, Annual Fee and Renewal Fee are both the same for Altura Credit Card.

Q. My Altura credit is misplaced. Will I be charged for reissuing the card?

Yes, you need to pay Rs. 100 in case you want to reissue the card.

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