Key Highlights of AU Bank Altura Credit Card

Following are the key highlights of the AU Small Finance Bank Altura Credit Card

Joining FeeRs. 199 + Taxes
Annual FeeRs. 199 (can be waived off if retail spends of Rs.10,000 done within 90 days of card set up
Welcome Benefits5% cashback on retail spends of ₹2500 or more within 60 days of card issuance
Most Suitable ForCashback & Rewards

AU Bank Credit Card Offer

Features & Benefits of AU Bank Altura Credit Card

This card comes with all kinds of benefits, be it Welcome benefits, Cashback benefits, Milestone benefits, 

Welcome Benefits of AU Altura Card

As a welcome benefit, the AU Altura Credit Card offers a 5% cashback on retail spends of ₹2500 or more within 60 days of card issuance. The maximum cashback allowed per statement cycle is ₹150.

Cashback Benefits for AU Altura Credit Card

  • You'll receive a 2% cashback at departmental stores, grocery stores, and on all utility bill payments. 
  • For all other retail spends, you'll receive a 1% cashback. However, no cashback will be given on fuel spends. 
  • The maximum cashback allowed per statement cycle is ₹50.

Milestone Benefits:

By reaching a retail spend milestone of ₹10000 or more in a month, you can earn an additional cashback of ₹50.

Access to the Railway Lounges:

  • As an AU Altura Credit Cardholder, you'll be entitled to 2 complimentary accesses per quarter to the railway lounges using your VISA card. 
  • These complimentary accesses can be availed at select railway stations in New Delhi, Kolkata (Sealdah), Agra, Madurai, Jaipur, and Ahmedabad. Please note that add-on cardholders can also enjoy this offer, but the visits will be counted under the primary cardholder.

What are the Services Offered in the Railway Lounge?

At the railway lounge, you'll be able to enjoy a range of services, including entry and a 2-hour stay, comfortable sitting arrangements with air conditioning, free tea and coffee, free Wi-Fi, and access to newspapers and magazines. Additionally, you'll receive one buffer meal during your visit, which can be breakfast, lunch, or dinner.

Fuel Surcharge Waiver

1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000, across all fuel stations in the country (Maximum Rs. 100 per statement cycle)

Card Liability Cover

When it comes to security, the AU Altura Credit Card has you covered in every way possible.

  • In the unfortunate event of losing your card, you won't be liable for any fraudulent transactions made using it, provided you report the loss to the bank. 
  • You can rest assured that any unauthorized transactions made after reporting the loss will not be your responsibility.
  • In addition to protection against fraudulent transactions, the AU Altura Credit Card also provides security against card counterfeit/skimming and online frauds. 

Contactless Card Usage

Use your AU Small Finance credit card to make quick, secure & easy payments by just tapping the card and paying at participating merchants without entering Credit Card PIN for amounts up to Rs. 5000.


With the AU Altura Credit Card, you have the option to convert your transactions worth INR 2,000 or more into easy EMI options of your choice. It's simple to do -  just call our AU Bank Customer Care helpline and book your XpressEMI.

Is there any charge for XpressEMI conversion using Altura card by AU Bank?

Yes, the EMI conversion charge for XpressEMI is 1% of the amount being converted to EMI, subject to a minimum of Rs. 99 + GST.

What does it mean?

This means that you can enjoy greater flexibility and convenience when it comes to your payments. Whether you want to manage your expenses or make a big purchase, you can choose a tenure that suits your needs and budget. With XpressEMI, you can convert your transactions into easy monthly installments and pay them off at your own pace. 

So go ahead and make that purchase you've been dreaming of - with the AU Altura Credit Card, you can enjoy greater financial freedom and control.

Annual Fee and Joining Fee of Altura Card by AU Bank

Joining fee - Rs. 199 + Taxes

Is there any Annual Fee waiver for AU Altura Card?

For 1st year fee waiver – Rs.10,000 retail spends done within 90 days of card set up

For 2nd year onwards fee waiver – Rs. 40,000/- retail spends done in previous card anniversary year

Other Fee and Charges of AU Bank Altura Credit Card

Type of Fees / ChargesAmount
Cash Advance Charges2.5% amount withdrawn, subject to a maximum of 100
Cash Advance Limit20% of the total credit limit

Late Payment Fees for AU Small Finance Bank Altura Card

Late Payment Fees

Amount for Statement Balance:

  • Less than or equal to Rs. 100: Nil
  • Above Rs. 100 & up to Rs. 500: Rs. 100
  • Above Rs. 500 & up to Rs. 5,000: Rs. 500
  • Above Rs. 5,000 & up to Rs. 10,000: Rs. 700
  • Above Rs. 10,000 & up to Rs. 20,000: Rs. 800
  • Above Rs. 20,000 & up to Rs. 50,000: Rs. 900
  • Above Rs. 50,000: Rs. 1,100

Please note that the interest free period for AU Credit Card is 48 days

Foreign Currency Markup Fee & Other Charges

Foreign currency transaction cross currency markup charges for AU Bank Altura card is 3.49%

Additional Read: AU Bank Credit Card Application Status

Documents Required for AU Bank Altura Credit card

For KYC verification

 Passport/ Voter's ID Card/ Driving Licence/ Aadhaar Letter or Card/NREGA Card/PAN Card

Address proof: 

Utility Bills/ Ration Card/ Passport

ID proof:

 Aadhar Card/ PAN card/ Driving license/ Voter Id Card

Income Proof:

 Last 3 Salary slips / bank statements for salaried 

Photographs: Recent photographs

Additional Read: AU Net Banking

How to Apply for AU Bank Altura Credit Card?

If you want to get AU Bank Altura Credit Card apply online through our website by following the steps given below:

  • Click on the ‘Credit Cards’ on the homepage of our website.
  • From the dropdown menu, choose ‘AU’ and then click on the ‘Apply Now’ button.
  • Enter all the required details including your name, mobile number, email address, employment information, income details, and so on
  • Verify your mobile number with an OTP.
  • You will get a call from our credit cards expert soon to help you complete the credit card application process.

What is the eligibility criteria for Altura Card by AU Bank?

For AU Credit Card Eligibility, there are a few criteria that you need to meet.

  • Firstly, the primary cardholder must be between the ages of 21 years and 60 years. 
  • Secondly, any add-on cardholder should be over the age of 18 years. 
  • Finally, the card is only available to Resident Indians.

Other AU Bank Credit Cards

Apart from Vetta Credit Card, AU Small Finance Bank also offers the below given credit card variants: 

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AU Bank Altura Credit Card FAQs

When can you redeem your reward points with AU Small Finance Bank Altura Credit Card?


You can redeem your earned reward points through AU Small Finance Bank LIT Credit Card after the statement is generated.

What is the interest-free period for AU Small Finance Bank Altura Credit Card?


The interest-free period for AU Small Finance Bank Altura Credit Card is up to 48 days, but this is not applicable for cash withdrawal.