What are the main benefits of the AU Altura Credit Card?

The AU Altura Credit Card offers cashback on daily spends, complimentary railway lounge access, and robust fraud protection, making it ideal for everyday savings.

How much is the joining fee for the AU Altura Credit Card?

The joining fee for the AU Altura Credit Card is ₹199 plus applicable taxes.

How can I waive the renewal fee for my AU Altura Credit Card?

You can waive the renewal fee by spending ₹40,000 in retail purchases in the previous card anniversary year.

What cashback rates does the AU Altura Credit Card offer?

The AU Altura Credit Card offers 2% cashback on groceries, departmental stores, and utility bills (max ₹50/cycle), and 1% on other retail spends (max ₹50/cycle).

Does the AU Altura Credit Card provide lounge access?

Yes, the AU Altura Credit Card offers 2 complimentary railway lounge accesses per calendar quarter at select railway stations.

What insurance benefits are included with the AU Altura Credit Card?

The AU Altura Credit Card provides zero liability cover for lost cards and fraud, plus free insurance and extended warranty on mobile and electronic purchases.

What is the foreign currency markup on the AU Altura Credit Card?

The foreign currency markup for the AU Altura Credit Card is 3.49% on all international transactions.

Can I convert my purchases to EMIs with the AU Altura Credit Card?

Yes, the AU Altura Credit Card allows you to convert transactions of ₹500 and above (minimum total ₹2,000) into EMIs using the XpressEMI facility.

Are add-on cards available for the AU Altura Credit Card?

Yes, the AU Altura Credit Card offers free lifetime add-on cards, extending its benefits to your family members.

Is the AU Altura Credit Card suitable for new credit card users?

Yes, the AU Altura Credit Card is considered an excellent and pocket-friendly choice for individuals new to credit, offering great saving opportunities.

AU Small Finance Bank

AU Altura Credit Card

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Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

A cashback of 5% on retail spends within the first 60 days of card setup.

Rewards Rate

2% cashback on select retail spends (max ₹50/cycle), 1% on other retail spends (max ₹50/cycle).

Reward Type

Cashback

Reward Redemption

Cashback is directly credited to your account; no specific redemption steps are required for this card.

Domestic Lounge Access

2 complimentary railway lounge accesses per quarter in select cities like Delhi, Kolkata, Ahmedabad.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Zero liability for lost cards & fraud. Free insurance and extended warranty on mobile & electronics.

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

2 complimentary railway lounge accesses per quarter for primary and add-on cardholders.

What matters, explained clearly

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Frequently Asked Questions

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