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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

AU Altura

AU Altura Credit Card is an entry-level rewards credit card offered by AU Small Finance Bank. It is designed for everyday spending and provides reward points on retail purchases, fuel surcharge waiver, lounge access benefits, and milestone rewards, making it suitable for first-time credit card users and regular spenders.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident
Age: 21 to 60 years for salaried individuals
Age: 21 to 65 years for self-employed individuals
Salaried or self-employed individual
Stable source of income
Good CIBIL score (750+ preferred)
Must meet AU Bank's internal credit criteria

Features & Benefits

Welcome Benefit: 1,000 Reward Points after first transaction within the stipulated period
Earn 2 Reward Points per ₹100 spent on retail purchases
Earn 1 Reward Point per ₹100 spent on utility bill payments and insurance transactions
4 Complimentary Domestic Airport Lounge Accesses per year (1 per quarter)
1% Fuel Surcharge Waiver across fuel stations in India
Milestone Benefit on annual spending achievement
Reward Points can be redeemed for vouchers, merchandise, and travel bookings
Contactless payment enabled
EMI conversion facility available on eligible transactions

Fees & Charges

Joining Fee: ₹199 + GST
Annual Fee: ₹199 + GST
Joining Fee: ₹199 + GST
Annual Fee: ₹199 + GST
Annual Fee Waiver: Available on achieving annual spend criteria as per bank policy
Interest Rate: Up to 3.49% per month
Cash Withdrawal Fee: 2.5% of transaction amount (minimum ₹100)
Fuel Surcharge Waiver: 1% on eligible transactions
Late Payment Charges: As per AU Bank policy

Documents Required

PAN Card (Mandatory)
Aadhaar Card / Passport / Driving Licence
Address Proof
Income Proof (Salary Slip / ITR / Form 16)
Bank Statements (Last 3–6 Months)
Passport-size Photograph (if required)

FAQs

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Eligible cardholders receive 1,000 Reward Points after completing the required first transaction criteria.

Yes, it offers 4 complimentary domestic airport lounge visits annually (1 per quarter).

You earn 2 Reward Points per ₹100 spent on retail transactions.

Yes, a 1% fuel surcharge waiver is available on eligible fuel transactions.

Individuals looking for a low-fee rewards card with lounge access and everyday spending benefits.

Terms & Conditions

Reward Points are subject to AU Reward Program terms
Lounge access is subject to applicable conditions and program changes
Fee waiver benefits depend on annual spending criteria
Approval is subject to AU Small Finance Bank credit policy
Fees, charges, and benefits may change at the bank's discretion
Late payments may attract penalties and impact credit score

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Card At A Glance
Joining Fee ₹199 + GST
Annual Fee ₹199 + GST
Rewards Welcome Benefit: 1,000 Reward Points after first transaction within the stipulated period
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type AU SMALL FINANCE BANK