AU Altura Credit Card

Product Highlights

Experience smart savings and exciting rewards every time you spend with the AU Altura Credit Card. From cashback on daily essentials to partner discounts and complimentary lounge access, this card brings together the best of comfort and value for today’s lifestyle.

• 2% Cashback on retail spends at grocery stores, departmental stores, and utility bill payments (up to ₹50 cashback per statement cycle).
• 1% Cashback on all other retail purchases (up to ₹50 cashback per statement cycle).
• Additional ₹50 Cashback Bonus when you spend ₹10,000 or more in a billing cycle.
• 2 Complimentary Lounge Accesses per Quarter at select railway stations — Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, and Agra.
• 1% Fuel Surcharge Waiver on transactions between ₹400–₹5,000 across all fuel outlets in India.
• Easy EMI Conversion – Convert any purchase worth ₹2,000 or more into convenient EMIs.

Exclusive Partner Discounts

• Flipkart: 10% Instant Discount (up to ₹1,000/month) on orders above ₹10,000.
• Myntra: Extra 10% Off (up to ₹1,000/month).
• Swiggy Instamart: 10% Off (up to ₹100/month) on orders above ₹500.
• Tata CLiQ: 15% Instant Discount (up to ₹300/month) on orders above ₹500.
• Blinkit: Flat ₹100 Off on grocery orders above ₹1,000.

Enjoy cashback, discounts, and travel perks that make every spend more rewarding with the AU Altura Credit Card — your go-to companion for smarter savings!

Fees & List of All Charges

Joining Fees: Rs 199 + applicable taxes (Joining fees will be waived off, if the user spends Rs 10,000 within first 90 days of card issuance)
Annual Fees: Rs 199 + applicable taxes (Annual fees will be waived off, if the user spends Rs 40,000 within the first anniversary year)

Documents Needed

Valid PAN Card
Aadhar Card – should be linked to Mobile (For EKYC)
Address proof
Income Proof (if opted for Income surrogate)

Eligibility Criteria

Required Age: 21-60 years
Employment status: Salaried or Self-Employed
Income: Rs 25,000 per month (Salaried and Self-employed)
Customers need to have an Existing card (6 months old) with a minimum limit of Rs 30,000
No Delayed Payments in the last 12 months
Required Credit Score: 700+

Important Terms & Conditions:

Please use your Aadhaar linked Mobile number to complete the application
Existing Customers (Savings/Current Account/Credit Cards/Loans/FD) of AU Bank are not eligible for Profit
Tracking Time: 72 Hours after the Application ID Generation
Missing Profit Tickets: Accepted
Confirmation Timeline: Within 75 Days of Card Activation
A Minimum transaction of Rs 100 is required within 30 days to activate the card
Card upgrades/limit enhancements are not a part of Profits
If you apply for a different card upon redirecting you will be eligible for the profit rates applicable on the card applied
Profits on AU Bank app applications: Not Applicable
Profit on Referral Earnings: Not Applicable