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Product Overview

AU Altura+

AU Altura+ Credit Card is a rewards and cashback credit card offered by AU Small Finance Bank. It is designed for everyday shopping, online purchases, and retail spending, offering cashback, reward points, railway lounge access, milestone rewards, and fuel benefits.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

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

Features & Benefits

Earn 1.5% cashback on POS retail transactions at merchant outlets (subject to monthly cap)
Earn 2X Reward Points on online transactions
Get 500 Bonus Reward Points on monthly retail spends of ₹20,000 or more
8 Complimentary Railway Lounge Visits per year (2 per quarter)
Welcome Benefit: ₹500 voucher on eligible spending criteria after card setup
Reward Points can be redeemed for vouchers, merchandise, hotel bookings, flight bookings and more
1% Fuel Surcharge Waiver on eligible fuel transactions
EMI conversion facility available on eligible transactions 

Fees & Charges

Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST
Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST
First Year Fee Waiver: Retail spends of ₹20,000 within 90 days of card setup
Renewal Fee Waiver: ₹80,000 retail spends in previous card anniversary year
Finance Charges: Up to 3.49% per month (approx.)
Cash Withdrawal Fee: 2.5% of transaction amount (minimum ₹100)
Forex Markup: 3.49%
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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The joining and annual fee is ₹499 + GST.

Yes, the fee can be waived by meeting the required spending criteria set by AU Bank.

Yes, it offers 8 complimentary railway lounge visits annually.

The card offers 2X Reward Points on online transactions.

Users looking for a low-fee card with shopping rewards, cashback, and railway lounge benefits.

Terms & Conditions

Cashback and reward points are subject to AU Reward Program terms and category exclusions.
Railway lounge access is subject to applicable usage conditions.
Fee waiver benefits depend on annual spending criteria.
Approval is subject to AU Small Finance Bank's credit policy.
Fees, charges, and benefits may change at the bank's discretion. 

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Card At A Glance
Joining Fee ₹499 + GST
Annual Fee ₹499 + GST
Rewards Earn 1.5% cashback on POS retail transactions at merchant outlets (subject to monthly cap)
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type AU SMALL FINANCE BANK