AU Aultra Credit Card Offers
The AU Altura Credit Card is the ideal choice if you're searching for a credit card that fits your spending style and offers an array of added benefits. With features such as cashback rewards, access to railway lounges, and complimentary card liability cover, the Altura Credit Card has it all.
Annual Fee and Joining Fee of Altura Card by AU Bank
Joining fee - Rs. 199 + Taxes
Is there any Annual Fee waiver for AU Altura Card?
For 1st year fee waiver – Rs.10,000 retail spends done within 90 days of card set up
For 2nd year onwards fee waiver – Rs. 40,000/- retail spends done in previous card anniversary year
Other Fee and Charges of AU Bank Altura Credit Card
| Type of Fees / Charges | Amount |
| Cash Advance Charges | 2.5% amount withdrawn, subject to a maximum of 100 |
| Cash Advance Limit | 20% of the total credit limit |
Late Payment Fees for AU Small Finance Bank Altura Card
| Late Payment Fees | Amount for Statement Balance:
|
Please note that the interest free period for AU Credit Card is 48 days
Foreign Currency Markup Fee & Other Charges
Foreign currency transaction cross currency markup charges for AU Bank Altura card is 3.49%
Documents Required for AU Bank Altura Credit Card
For KYC verification
Passport/ Voter's ID Card/ Driving Licence/ Aadhaar Letter or Card/NREGA Card/PAN Card
Address proof:
Utility Bills/ Ration Card/ Passport
ID proof:
Aadhar Card/ PAN card/ Driving license/ Voter Id Card
Income Proof:
Last 3 Salary slips / bank statements for salaried
Photographs: Recent photographs
Eligibility Criteria for Altura Card by AU Bank?
For AU Credit Card Eligibility, there are a few criteria that you need to meet.
- Firstly, the primary cardholder must be between the ages of 21 years and 60 years.
- Secondly, any add-on cardholder should be over the age of 18 years.
- Finally, the card is only available to Resident Indians.
Steps to Apply
- Click on the Red Button
- You will be redirected to the AU Bank Credit Cards page
- Complete the application in the same session
Key Highlights of AU Bank Altura Credit Card
Following are the key highlights of the AU Small Finance Bank Altura Credit Card
| Joining Fee | Rs. 199 + Taxes |
| Annual Fee | Rs. 199 (can be waived off if retail spends of Rs.10,000 done within 90 days of card set up |
| Welcome Benefits | 5% cashback on retail spends of ₹2500 or more within 60 days of card issuance |
| Most Suitable For | Cashback & Rewards |
Features & Benefits of AU Small Finance Bank Altura Credit Card
This card comes with all kinds of benefits, be it Welcome benefits, Cashback benefits, Milestone benefits,
Welcome Benefits of AU Altura Card
As a welcome benefit, the AU Altura Credit Card offers a 5% cashback on retail spends of ₹2500 or more within 60 days of card issuance. The maximum cashback allowed per statement cycle is ₹150.
Cashback Benefits for AU Altura Credit Card
- You'll receive a 2% cashback at departmental stores, grocery stores, and on all utility bill payments.
- For all other retail spends, you'll receive a 1% cashback. However, no cashback will be given on fuel spends.
- The maximum cashback allowed per statement cycle is ₹50.
Milestone Benefits:
By reaching a retail spend milestone of ₹10000 or more in a month, you can earn an additional cashback of ₹50.
Access to the Railway Lounges:
- As an AU Altura Credit Cardholder, you'll be entitled to 2 complimentary accesses per quarter to the railway lounges using your VISA card.
- These complimentary accesses can be availed at select railway stations in New Delhi, Kolkata (Sealdah), Agra, Madurai, Jaipur, and Ahmedabad. Please note that add-on cardholders can also enjoy this offer, but the visits will be counted under the primary cardholder.
What are the Services Offered in the Railway Lounge?
At the railway lounge, you'll be able to enjoy a range of services, including entry and a 2-hour stay, comfortable sitting arrangements with air conditioning, free tea and coffee, free Wi-Fi, and access to newspapers and magazines. Additionally, you'll receive one buffer meal during your visit, which can be breakfast, lunch, or dinner.
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000, across all fuel stations in the country (Maximum Rs. 100 per statement cycle)
Card Liability Cover
When it comes to security, the AU Altura Credit Card has you covered in every way possible.
- In the unfortunate event of losing your card, you won't be liable for any fraudulent transactions made using it, provided you report the loss to the bank.
- You can rest assured that any unauthorized transactions made after reporting the loss will not be your responsibility.
- In addition to protection against fraudulent transactions, the AU Altura Credit Card also provides security against card counterfeit/skimming and online frauds.
Contactless Card Usage
Use your AU Small Finance credit card to make quick, secure & easy payments by just tapping the card and paying at participating merchants without entering Credit Card PIN for amounts up to Rs. 5000.
XpressEMI
With the AU Altura Credit Card, you have the option to convert your transactions worth INR 2,000 or more into easy EMI options of your choice. It's simple to do - just call our AU Bank Customer Care helpline and book your XpressEMI.