By: OurMoneyGuide || Last updated on: April 27, 2024 

AU Bank Altura Credit Card is a low fee starter card from AU Bank, with a low annual card spend requirement to get an annual fee waiver. It gives higher cashback on certain shopping spends, and on utility bill payments.

Pros & Cons of AU Bank Altura Credit Card


  • Low annual fee of ₹199
  • Low annual card spend requirement of ₹40,000, to get an annual fee waiver from 2nd year onwards
  • 2% cashback on grocery purchases, department store purchases, utility bill payments


  • Low monthly spend limit to earn 2% cashback on the 3 promotion categories (grocery purchases, department store purchases, utility bill payments)

Features & Benefits of the AU Bank Altura Credit Card

2% cashback (upto ₹50 per month) on the following card spends – grocery || department store || utility bills

You get ₹2 (as cashback), on every ₹100 you spend in these categories.

This is valid only on total purchases upto ₹2500 per month, since the maximum cashback at this rate is restricted to ₹50 per month.

1% cashback (upto ₹50 per month) on all other card spends

You get ₹1 (as cashback), on every ₹100 you spend on all other card purchases.

This benefit is valid only on purchases upto ₹5000 per month, since the maximum cashback at this rate is restricted to ₹50 per month.

No cashback is given on following card spends – fuel, rent, education, government, wallet loads, Bhart Bill Payment System .

Additional ₹50 cashback at 10,000 monthly card spend (milestone benefit)

You get an additional cashback of ₹50, on completing a minimum of ₹10,000 card spend in every monthly card statement cycle – 0.50% benefit.

Complimentary railway lounge access – 2 per quarter

You get free visits to railway lounges in India, 8 times per year (maximum 2 times per quarter). For list of lounges and terms & conditions, please click here

Add-on cardholders can also enjoy these railway lounge benefits within the mentioned complimentary number of visits. Please click here to view details.

Fuel surcharge waiver, upto ₹100 per month

You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only. This benefit is applicable only on fuel purchases upto ₹10,000 per month, since the waiver amount is restricted to ₹100 per month

Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹100 in all cases

Complimentary fraud liability insurance cover

In an unfortunate event of loss of credit card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank. You are also protected against card counterfeit/skimming and online frauds.

Please click here to view detailed terms and conditions.

AU Bank customer care number

You can contact AU Bank 24/7, please click here for details – AU Customer Care Numbers & Other Contact Details

AU Bank Altura Credit Card Fees and Charges

Annual feeAnnual fee offers
1st year joining fee₹199Welcome offer : 1st year annual fee is waived off, when you spend ₹10,000 or more within 90 days of card generation date.
Renewal fee from 2nd year onwards₹199Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹40000 or more in the previous year.

Hence this card is virtually free, if you spend ₹40000 or more in a year.

To view all fees and charges, please click here – AU Credit Cards Fees & Charges

Eligibility Criteria

Minimum agePrimary card member: 21 years
Add-on card member: 18 years
Maximum age60 years
OccupationSalaried or self-employed
Minimum income requirementsShould have a regular source of income , minimum income not specified
Credit scoreGood credit score, preferably above 750
LocationApplicant should be based in the credit card sourcing locations of AU bank

Documents required

Required documents
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
– Income proof : latest salary slip/s, income tax return etc

Additional documents maybe required on a case-to-case basis.

Application Process

Online application process
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the AU Bank website.

You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

Steps :
– To apply, simply provide your personal details, such as your PAN number, mobile phone number, income & emplyment details, , address, along with the other requirements asked for
– Submit the application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.