Enjoy up to 2% cashback on your daily spends with the AU Bank Altura Credit Card! This card is designed to help you save on every purchase, with cashback credited directly to your account. Plus, unlock an additional ₹50 monthly cashback when you spend ₹10,000 or more under milestone benefits by AU Small Finance Bank
Whether it’s groceries, utility bills, or shopping, this card ensures you earn rewards effortlessly. Travelers also get complimentary railway lounge access at select locations across India.
Key Features & Benefits
💰 Cashback Rewards
- 2% cashback on utility bills, groceries, and departmental stores (capped at ₹50 per statement cycle).
- 1% cashback on all other spends (capped at ₹50 per statement cycle).
- Exclusions: Fuel, rent, cash, and wallet transactions do not earn cashback.
🎯 Milestone Benefit
- Earn ₹50 extra cashback every statement cycle when you spend ₹10,000 or more.
🚆 Travel Perks
- 2 complimentary railway lounge visits per quarter at select locations, including:
- New Delhi, Kolkata, Ahmedabad, Jaipur, Agra, and Madurai.
- Available for primary & add-on cardholders.
⛽ Fuel Surcharge Waiver
- 1% surcharge waiver on fuel transactions between ₹400–₹5,000.
- Maximum waiver of ₹100 per statement cycle.
Fees & Eligibility
| Feature | Details |
|---|---|
| Joining Fee | ₹199 + GST |
| Renewal Fee | ₹199 + GST |
| Best For | Shopping, Groceries, Utility Bills |
| Reward Type | Cashback |
| Welcome Benefit | N/A |
📌 Eligibility Criteria
- Primary Applicant: 21–60 years old
- Add-on Applicant: 18+ years old
- Must be an Indian resident
Why Choose the AU Bank Altura Credit Card?
✅ Affordable fees with high cashback potential
✅ Great for beginners in credit
✅ Travel-friendly with railway lounge access
✅ Fuel surcharge waiver for added savings
Looking for more premium perks? Explore the AU Altura Plus Credit Card for enhanced benefits!
Apply Now & Start Earning Cashback!
Terms & conditions apply. Cashback exclusions include fuel, rent, cash withdrawals, and wallet transactions.
FAQs: AU Bank Altura Credit Card
1. What is the cashback rate on the AU Bank Altura Credit Card?
- You get 2% cashback on utility bills, groceries, and departmental stores (capped at ₹50 per statement cycle).
- 1% cashback on all other spends (also capped at ₹50 per statement cycle).
2. Are there any exclusions for cashback?
Yes, cashback is not applicable on:
- Fuel purchases
- Rent payments
- Cash withdrawals
- Wallet transactions (like Paytm, PhonePe recharges)
3. What is the milestone benefit?
- Spend ₹10,000 or more in a billing cycle and get an additional ₹50 cashback.
4. Does the AU Altura Credit Card offer lounge access?
Yes, you get 2 complimentary railway lounge visits per quarter at select stations like Delhi, Kolkata, Jaipur, Ahmedabad, and more.
5. What is the fuel surcharge waiver benefit?
- 1% surcharge waiver on fuel transactions between ₹400–₹5,000 (max. ₹100 waiver per cycle).
6. What are the fees for this card?
- Joining Fee: ₹199 + GST
- Renewal Fee: ₹199 + GST
7. What is the eligibility criteria?
- Primary Applicant: 21–60 years old
- Add-on Applicant: 18+ years old
- Must be an Indian resident
8. How is the cashback credited?
Cashback is automatically credited to your credit card account in the next billing statement.
9. Can I get an add-on card?
Yes, you can request an add-on card for family members (18+ years).
10. How do I apply for the AU Bank Altura Credit Card?
You can apply:
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