AU Altura Credit Card: Features & Apply

Summary

The AU Altura Credit Card is a beginner feature credit card of AU Small Finance Bank, which is perfect for first-time users or a person looking for a hassle-free, low-cost proposition. It levies a nominal joining fee of ₹199, which will be waived if you spend ₹10,000 within the first 90 days. Similarly, the ₹199 one-year fee can also be skipped by making a spend of ₹40,000 in one year, and it’s a cost-effective option for frequent use. 

Amongst the most fascinating benefits of this card is the cashback benefit, where you receive 2% cashback on grocery, departmental store, and bill payments, and 1% cashback on all other retail spends. As a bonus, if your expenditures in a month cross ₹10,000, you get an extra cashback of ₹50. There is also a welcome offer that gives new customers 5% cashback for retail spends above ₹2,500 for the first 60 days.

Apart from this, the card offers 2 complimentary railway lounge accesses per quarter, an exemption on 1% fuel surcharge, and contactless payment support up to ₹5,000 without a PIN. To facilitate easy transactions, those above ₹2,000 can be converted into EMIs using the XpressEMI option.

Introduction

In the current fast-paced world, it has become necessary to keep a credit card in your pocket rather than a luxury item—it’s a clever financial tool that enables you to deal with your money better. Be it online shopping, booking cinema tickets, or eating out with friends, everything is made easy by a credit card. A so convenient and rewarding card is the AU Altura Credit Card.

To begin with, the AU Altura Credit Card is perfect for initial users of credit cards as well as those who require a second credit card to use in their day-to-day expenses. It provides an excellent mix of cashback, rewards, and lifestyle benefits—all in a single card. You get reward points on your everyday spends like groceries, fuel, travel, etc., with this card. Additionally, you get discounts and cashback from partner brands, which saves your money while shopping.

Secondly, the AU Altura Credit Card doesn’t charge a joining fee, which means you don’t have to shell out a single buck to become a member. Hence, it is an affordable choice for working professionals, students, or even individuals who need a simple and low-cost credit card. And to make this cake even tastier, there’s no annual fee if you spend a minimum amount annually. Hence, if you use your card responsibly, it will be free.

Aside from that, the card also supports contactless payment, which means you can simply tap and pay at merchants without having to insert the card. Fast and secure to boot. In the event of loss or theft, AU Bank has zero liability protection, so you don’t have to worry about any unauthorized use. You will also receive SMS reminders and real-time alerts, which enable you to monitor your spending and remain in control.

What is the AU Altura Credit Card?

In short, the AU Altura Credit Card is a beginner credit card offered by AU Small Finance Bank. It is designed to enable customers to spend on shopping, dining, fuel purchases, and internet spending with reward points and cash back. Unlike high-end cards with high fees and complicated rewards, this one is straightforward and affordable.

To start with, the Athe U Altura Credit Card is best known for having no joining fee and an annual fee waiver. That is, you need not pay anything for using the card at the beginning. Once, apart from a specified amount of money, you spend over a year, you don’t have to pay any renewal fees as well.

How is the design of the AU Altura Credit Card?

First, the AU Altura Credit Card is beautiful, modern, and eye-catching. It is made to be smart and premium in appearance, even though it is a starter card. The card boasts a dark background with stark highlights, giving it a bold and professional look. This is great to use at work or home.

Also, the minimalist aesthetic has the benefit of making the card look classy and simple, yet not flashy. The AU Small Finance Bank logo is positioned neatly, and the cardholder’s name is inscribed in clear, stylish writing, which also brings an air of personalization and pride of ownership.

What are the benefits of the AU Altura Credit Card?

Key Benefits of the AU Altura Credit Card

1. Cashback Offers

There are interesting cashback rewards on the AU Altura Credit Card:

• 2% cashback for grocery spends, department store shopping, and utility bills payments.

• 1% cashback for other retail shopping.

• ₹50 additional cashback when you spend ₹10,000 or more in a billing cycle.

Note: Maximum cashback per billing cycle is ₹150.

2. Welcome Offer

As a welcome gift, new members of the card get 5% cashback on transactions of ₹2,500 and above during the first 60 days after the card is activated.

3. Railway Lounge Entry card

Card members get 2 complimentary railway lounge entries per calendar quarter at selected railway stations in India, including New Delhi, Kolkata, Agra, Madurai, Jaipur, and Ahmedabad.

4. Fuel Surcharge Waiver

Indulge in a 1% fuel surcharge offset on spends of ₹400 to ₹5,000 across all fuel stations in India with a limit of ₹100 per cycle of the statement.

5. Contactless Payments

For transactions up to ₹5,000, the card has contactless payment functionality to make quick and secure payments without entering the PIN.

6. EMI Conversion

Spends of ₹2,000 and more can also be conveniently converted into EMIs through the XpressEMI facility of the bank, providing the convenience of handling higher spends.

7. Card Liability Cover

In the event of loss of the card, you are protected against fraudulent transactions made after reporting the loss to the bank. You are also covered against card skimming, internet fraud, and counterfeit transactions.

8. Add-On Cards

You receive free add-on cards for relatives so that they can enjoy the same facilities and benefits as the primary cardholder.

What are the fees for the AU Altura Credit Card?

Here is a simple breakdown of the  AU Altura Credit Card fees.

Joining Fee	Rs. 199 + GST
Annual Fee	Rs. 199 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.49% per month (41.88% annually) charge is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an AU Altura Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an AU Altura Credit Card?

The documents that you will have to submit to get the AU Altura Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the AU Altura Credit Card be used?

Here is the list of places where you can use it:

• With the AU Altura Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  AU Altura Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  AU Altura Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the AU Altura Credit Card?

The credit amount you can spend is what you are provided to you with an AU Altura Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an AU Altura Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the AU Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the  AU Altura Credit Card.

• Just hover your cursor on the  AU Altura Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest AU Bank branch to apply for the  AU Altura Credit Card.

• Request for the credit card application form of the  AU Altura Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  AU Altura Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an AU Altura Credit Card in 2025 be right?

Yes, getting an AU Altura Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

In short, the AU Altura Credit Card is a clever, sensible option for those looking for a hassle-free, low-cost, and rewarding credit card experience. If you are a first-time credit card user or someone who likes a no-nonsense card for everyday use, this card meets your bare essentials without bringing financial woes.

To begin with, it offers a few convenient benefits like cashback on daily expenses, welcome rewards, removal of fuel surcharge, and complimentary railway lounge privileges. Not only are they convenient, but they also make your spending more rewarding. Besides, with amenities like EMI conversion and contactless spends, you get flexibility along with security in the manner you deal with your spends.

The other important feature is the minimal joining and annual charges, which are waived off if you meet the minimum spending thresholds. This renders the AU Altura Credit Card affordable for individuals looking for value for money.

Frequently Asked Questions (FAQ’s)