AU Altura+

Product Overview

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.

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 and 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

✔️ 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

Q1. What is the annual fee of AU Altura+ Credit Card?
Ans. The joining and annual fee is ₹499 + GST.

Q2. Can the annual fee be waived?
Ans. Yes, the fee can be waived by meeting the required spending criteria set by AU Bank.

Q3. Does AU Altura+ offer lounge access?
Ans. Yes, it offers 8 complimentary railway lounge visits annually.

Q4. What rewards do I earn on online spending?
Ans. The card offers 2X Reward Points on online transactions.

Q5. Who should apply for this card?
Ans. 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.