AU Altura

Product Overview

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.

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 and 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

✔️ 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

Q1. What is the welcome benefit on AU Altura Credit Card?
Ans. Eligible cardholders receive 1,000 Reward Points after completing the required first transaction criteria.

Q2. Does AU Altura Credit Card provide lounge access?
Ans. Yes, it offers 4 complimentary domestic airport lounge visits annually (1 per quarter).

Q3. What reward rate does the card offer?
Ans. You earn 2 Reward Points per ₹100 spent on retail transactions.

Q4. Is there any fuel benefit?
Ans. Yes, a 1% fuel surcharge waiver is available on eligible fuel transactions.

Q5. Who should apply for this card?
Ans. 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