AU Bank Altura Credit Card

Name: AU Bank Altura Credit Card
Brand: AU Bank
Price: 199 INR
Availability: InStock
Rating: 2.5 (1 reviews)

Overview

The AU Bank Altura Credit Card sits at the bottom of AU Small Finance Bank’s credit card lineup. At ₹199 per year plus GST, it costs less than most entry-level cards. The joining fee gets waived when you spend ₹10,000 within 90 days of getting the card, and the annual fee gets waived after spending ₹40,000 in a year, a threshold of just ₹3,333 per month.Cashback runs at 2% on grocery, departmental store, and utility transactions, capped at ₹50 per statement cycle. Other retail purchases earn 1%, also capped at ₹50. Hit ₹10,000 in total retail spending during a cycle and you get an extra ₹50 milestone cashback. That brings the maximum possible cashback to ₹150 per cycle, or about ₹1,800 per year. Fuel, rent, wallet loads, cash advances, education, government payments, and BBPS are all excluded from cashback.Railway lounge access at 2 visits per quarter stands out for a card at this fee level. There is no airport lounge access. A 1% fuel surcharge waiver applies on transactions from ₹400 to ₹5,000 at any fuel station, capped at ₹100 per cycle. Device protection provides free insurance and extended warranty on mobile and electronic purchases, a benefit uncommon in cards under ₹500 annual fee.This card works well as a starter option for building credit history. Available on Visa and RuPay, it covers both domestic and international spending needs. For higher cashback caps or airport lounge access, the AU Bank Altura Plus at ₹2,999 per year provides a significant step up.

Pros

↑₹199 annual fee is among the lowest for any card with railway lounge access and cashback, making it accessible as a first credit card
↑₹40,000 annual spend threshold for fee waiver translates to just ₹3,333 per month, reachable for most regular spenders
↑Device protection with free insurance and extended warranty on mobile and electronic purchases is uncommon at this fee level
↑2 railway lounge visits per quarter at no extra cost, and add-on cardholders can also use visits within the complimentary limit

Cons

↓Cashback capped at ₹50 per category per cycle, limiting maximum earnings to ₹150 per cycle regardless of how much you spend
↓No airport lounge access, unlike several entry-level cards from ICICI, HDFC, and Axis that include at least conditional airport lounge visits
↓No cashback on fuel, rent, wallet loads, education, government payments, or BBPS, excluding several common spending categories entirely

Key Highlights

Welcome Offer
Joining fee waived on ₹10K spend in 90 days
Joining fee: ₹199 + GST
Waived if you spend ₹10,000 within 90 days of card setup
No welcome vouchers or joining bonus

Reward Rate
2% cashback on grocery and utilities
Grocery, Departmental & Utility: 2% (max ₹50/cycle)
Other Retail: 1% (max ₹50/cycle)
₹50 milestone cashback on ₹10K/cycle
Max ₹150 cashback per cycle
Excluded: Fuel, Rent, Wallet, Cash, Education, Govt, BBPS

Minimum Salary
21-60 years (salaried)
Salaried: 21-60 years
Self-Employed: 25-65 years
Income: Not disclosed by AU Bank
Resident Indian
CIBIL Score: 750+ recommended

Joining Fee
₹199 + GST
Joining fee: ₹199
Plus 18% GST
Waived on ₹10,000 spend within 90 days

Annual Fee
₹199 + GST (waived on ₹40K spend)
Annual fee: ₹199
Plus 18% GST
Waived on ₹40,000 annual retail spend
About ₹3,333 per month to reach waiver

Why Choose?
Simple cashback with railway lounge at ₹199
2%/1% cashback on everyday purchases
2 railway lounge visits per quarter
1% fuel surcharge waiver at all stations
Free device protection on electronics
Free lifetime add-on cards
No airport lounge access

Key Benefits

Cashback

★2.5

▼

2% on grocery, departmental store, and utility spends
1% on other retail purchases
Max ₹50 per category per statement cycle
Cashback-only model, no reward points
Excluded: Fuel, Rent, Wallet, Cash, Education, Govt, BBPS

Fuel

★3.0

▼

1% surcharge waiver on ₹400 to ₹5,000 transactions
Valid at any fuel station in India
Maximum ₹100 waiver per statement cycle
No cashback earned on fuel purchases

Grocery

★3.0

▼

2% cashback on grocery and departmental store purchases
Max ₹50 per statement cycle
Cashback credited automatically
Spend ₹2,500 on groceries per cycle to hit the cap

Milestone

★2.5

▼

₹50 cashback on ₹10,000+ retail spend per statement cycle
Separate from regular 2%/1% cashback
Maximum total cashback: ₹150/cycle (₹50+₹50+₹50)
₹40,000 annual spend triggers fee waiver

Railway

▼

2 complimentary visits per calendar quarter
Present AU Credit Card at participating railway station lounges
Add-on cardholders can also use within complimentary limit
Extra visits charged at lounge provider rates

Liability Protection

▼

Zero liability on fraudulent transactions after reporting card loss
Protection against Card Counterfeit/Skimming
Online fraud protection included

Insurance

▼

Free insurance on mobile and electronic device purchases
Extended warranty on eligible electronics
Card liability cover included
No personal accident or travel insurance

Emi

▼

XpressEMI on individual transactions of ₹500+
Minimum total of ₹2,000 required
Convert via AU 0101 App or Net Banking
EMI transactions do not earn cashback

Detailed Information

Joining Fee	₹199 + GST
Annual Fee	₹199 + GST
Annual Fee Waiver	Waived on ₹40,000 annual retail spend
Monthly Percentage Rate	3.49%
Annual Percentage Rate	41.88%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	₹100 to ₹1,300 based on outstanding
Overlimit Charges	2.5% of overlimit amount or ₹500 + GST, whichever is higher
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	Not available
Fee For Supplementary Card	No fee (lifetime free)
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-60 years
Age Requirement Self Employed	25-65 years
Minimum Annual Income Salaried	Not disclosed by AU Bank
Minimum Annual Income Self Employed	Not disclosed by AU Bank
Minimum Credit Score	750+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The annual fee is ₹199 plus 18% GST. For the first year, the joining fee gets waived when you spend ₹10,000 within 90 days of card setup. From the second year onward, the annual fee gets waived when you spend ₹40,000 in retail purchases during the previous anniversary year.

Spend ₹40,000 in retail purchases during the previous anniversary year. That works out to about ₹3,333 per month. For the first year, spend ₹10,000 within 90 days of card setup to get the joining fee waived.

The card gives 2% cashback on grocery, departmental store, and utility transactions, capped at ₹50 per statement cycle. Other retail purchases earn 1% cashback, also capped at ₹50 per cycle. An additional ₹50 milestone cashback applies when total retail spending crosses ₹10,000 in a statement cycle. Maximum possible cashback is ₹150 per cycle.

Fuel, rent, wallet loads, cash advances, education payments, government transactions, and BBPS payments do not earn any cashback. Fee payments (joining fee, annual fee, GST) and penalty charges (interest, late fees) are also excluded.

When your total retail spending crosses ₹10,000 in a single statement cycle, you earn an additional ₹50 cashback. This is separate from the regular 2% and 1% cashback. Combined with category cashback, the maximum possible cashback is ₹150 per statement cycle.

No. The AU Bank Altura provides railway lounge access only. There is no domestic or international airport lounge access with this card. For airport lounge access, consider the AU Bank Altura Plus or higher-tier AU cards like the Vetta or Zenith.

You get 2 complimentary railway lounge visits per calendar quarter. Present your AU Bank Altura Credit Card at participating railway station lounges in cities like Agra, Ahmedabad, Delhi, Jaipur, Kolkata, and Varanasi. Add-on cardholders can also use visits within the complimentary limit. Visits beyond the free quota are charged at the lounge provider’s rates.

A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹5,000 at any fuel station in India. The maximum waiver is ₹100 per statement cycle. Note that while the surcharge gets waived, fuel purchases do not earn any cashback.

The card includes free insurance and extended warranty on mobile and electronic device purchases made using the card. This covers eligible devices purchased through the AU Bank Altura Credit Card. Terms and conditions apply as per AU Bank’s card liability insurance policy.

Yes. Add-on (supplementary) cards are available free for life. The add-on cardholder must be 18 years or older. Add-on cardholders earn cashback at the same rates as the primary card and can use railway lounge visits within the primary card’s complimentary limit.

Salaried applicants must be between 21 and 60 years old. Self-employed applicants must be between 25 and 65 years old. You must be a Resident Indian. Add-on cardholders must be at least 18 years old. A CIBIL score of 750 or higher is typically expected for approval.

You need identity proof (PAN card, Aadhaar, passport, or voter ID), address proof (Aadhaar, passport, utility bill, or bank statement), and income proof. Salaried applicants should provide 3 months of salary slips and bank statements. Self-employed applicants need 2 years of ITR and 6 months of bank statements.

Apply through the AU Small Finance Bank website or the AU 0101 mobile app. The online application is available at the AU Bank credit card onboarding portal. Existing AU Bank customers may find pre-approved card options directly in their AU 0101 app or net banking.

The monthly interest rate is 3.49%, which translates to an annual percentage rate of 41.88%. This applies to any outstanding balance carried past the payment due date. Paying the full statement balance by the due date each month avoids interest charges entirely.

Yes, through the XpressEMI facility. Individual transactions of ₹500 or more can be converted, with a minimum total of ₹2,000. EMI conversion is available through the AU 0101 app or net banking. Tenure options and interest rates depend on the transaction and your account standing. EMI conversions do not earn cashback.

Late payment fees range from ₹100 to ₹1,300 depending on your total outstanding amount. These apply when you do not pay at least the minimum amount due by the statement due date. The minimum monthly payment is 5% of the outstanding balance or ₹200, whichever is higher.

The foreign currency markup is 3.5% on all international transactions. The Visa variant works at any Visa-accepting merchant worldwide. This markup rate is standard across most entry-level credit cards in India.

The AU Bank Altura Credit Card is available on both Visa and RuPay networks. The Visa variant works for both domestic and international transactions. The RuPay variant is primarily for domestic use. Cashback rates, railway lounge access, and other benefits stay the same across both networks.

An overlimit charge of 2.5% applies on the amount exceeding your approved credit limit, or ₹500 plus GST, whichever is higher. Transactions beyond the limit may be declined depending on your payment history and account standing.

Cash advances carry a fee of 2.5% of the withdrawn amount, with a minimum of ₹500. Interest of 3.49% per month starts from the date of withdrawal with no interest-free period. This makes ATM cash withdrawal one of the most expensive ways to use a credit card.