AU

AU Altura Credit Card

Apply for AU Altura Credit Card. Earn 2% cashback on groceries, utilities & departmental stores, 8 railway lounge visits/year & 1% fuel waiver. Best for daily spenders.

Grocery ShoppingUtility Bills
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Issued by

AU

AU Altura Credit Card image
Joining Fee₹199
Annual Fee₹199
Income₹25000
Credit Score725

Key Highlights

Grocery Shopping

2% Cashback on Groceries and Utilities

on grocery stores, departmental stores, and utility bill payments, capped at ₹50 cashback per statement cycle

2% Cashback on Groceries & Utilities

on spends at grocery stores, departmental stores, and utility bill payments, capped at ₹50 per statement cycle

Utility Bills

2% Cashback

on all retail spends done at grocery stores, departmental stores, and utility bill payments with a maximum cashback of ₹50 per statement cycle

1% Cashback on Other Retail Spends

on all other eligible retail transactions, capped at ₹50 cashback per statement cycle

Complimentary Railway Lounge Access

with 2 free lounge visits per calendar quarter at select railway stations using your AU Altura Credit Card

Eligibility

Age Criteria21-60

Applicants must be between 21 and 60 years at the time of application.

Credit Score725

A CRIF score of 725 or above is required as per the bank’s eligibility criteria.

Salaried Income₹3.6 LPA

The bank requires a minimum annual income of ₹3.6 LPA for salaried applicants. However, BankKaro recommends an income of ₹5 LPA or more for better approval chances.

Self-employed Income₹3.6 LPA

The bank requires a minimum annual income of ₹3.6 LPA for self-employed applicants. However, BankKaro recommends an income of ₹5 LPA or more for better approval chances.

Employment TypeSalaried
New to CreditNot eligible

Fees & Waivers

Joining Fee₹199

A one-time joining fee is charged at the time of card issuance as per the bank’s policy.

Joining Fee OffsetThe joining fee will be waived if cumulative retail spends of ₹10,000 or more are completed within 90 days from card activation, as per bank policy.
Annual Fee₹199

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverThe first-year annual fee is waived if you complete ₹20,000 or more in retail spends within 90 days of card setup, and from the second year onwards, the annual fee is waived when you spend ₹80,000 or more on retail purchases in the previous card anniversary year, as per bank policy.
Estimated Annual Saving₹1200

Rewards & Redemption

Reward Conversion1 reward point = ₹0.25
Redemption Options
  • AU Rewardz for E-Vouchers
  • Merchandise
  • Recharges
  • Travel bookings
Earning ExclusionsRent Payment, Fuel Spends, Insurance Payments, EMI Spends, ATM Cash Withdrawals, Jewellery Purchases, Education Spends, Government-related Transactions, Wallet Loads, All Reversals, Gambling Transactions, Toll Payments, Security Broker Services, Charity, Railways, Utility Bill Payments, Balance Transfer, Financial Charges
Spend ExclusionsRent Payment, Fuel Spends, Insurance Payments, EMI Spends, ATM Cash Withdrawals, Jewellery Purchases, Education Spends, Government-related Transactions, Wallet Loads, All Reversals, Gambling Transactions, Toll Payments, Security Broker Services, Charity, Railways, Utility Bill Payments, Balance Transfer, Financial Charges

Benefits

All Benefits

  • Earn 2% cashback on spends at grocery stores, departmental stores, and utility bill payments, capped at ₹50 per statement cycle
  • Earn 1% cashback on all other eligible retail spends, capped at ₹50 per statement cycle
  • Get an additional ₹50 cashback on completing ₹10,000 or more in retail spends in a statement cycle
  • Enjoy 2 complimentary railway lounge visits per calendar quarter at select railway stations using your AU Altura Credit Card
  • Add-on cardholders can also avail railway lounge access within the shared complimentary visit limit
  • Avail a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 across fuel stations in India
  • Fuel surcharge waiver is capped at ₹100 per statement cycle, as per bank terms

Railway Lounge Benefits

  • Enjoy 2 complimentary railway lounge visits per calendar quarter at select railway stations when you swipe your AU Altura Credit Card; applicable lounges are defined by AU Bank

Surcharge Waiver Benefits

  • Enjoy a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹100 per statement cycle, across fuel stations in India

Bank Offers

  • Access bank-wide offers from AU Bank across select merchant platforms, as available

Milestone Benefits

Minimum Spend₹10000
Within30 days
Voucher Bonus₹50

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please review the features and benefits of the card offered carefully before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards.

FAQ

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