A cashback-focused card for everyday spenders
1% fuel surcharge waiver
2% cashback on daily essentials & bills
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| Benefit | Details |
|---|---|
| Enhanced Cashback | Earn 2% cashback on spending at grocery stores, departmental stores, and utility bill payments (maximum ₹50 per statement cycle). |
| Standard Cashback | Get 1% cashback on all other retail spends (maximum ₹50 per statement cycle). |
| Milestone Benefit | Receive an additional ₹50 cashback on completing minimum retail spends of ₹10,000 in every statement cycle. |
| Railway Lounge Access | Enjoy 2 complimentary railway lounge visits per calendar quarter at select railway stations across India. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum benefit of ₹100 per statement cycle. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | AU Small Finance Bank |
| Bank / Non-bank | Small Finance Bank |
| Category | Shopping/Cashback |
| Type of Card | Visa & RuPay |
| Free or Paid | ₹199 Annually + GST |
The AU Bank ALTURA Credit Card is designed for individuals who want straightforward cashback benefits on their daily expenses. This card is available in both Visa and RuPay variants for added flexibility. The card works well for those who regularly shop at grocery stores and departmental stores, pay utility bills, and prefer simple reward structures over complex point systems. With its low annual fee and accessible eligibility criteria, the ALTURA Credit Card serves as a practical choice for those beginning their credit journey or looking for a basic cashback card without premium charges.
Add-on Cards: Family members above 18 years of age can receive supplementary cards at no additional cost, enabling shared benefits across the household.
Contactless Payments: The card supports tap-and-pay functionality for transactions up to ₹5,000 at participating merchants, eliminating the need to enter a PIN for quick purchases.
XpressEMI Facility: Cardholders can convert transactions worth ₹2,000 or more into easy monthly installments through various channels including WhatsApp banking, customer care, IVR (Interactive Voice Response) or AU 1010 mobile app.
Zero Liability Protection: In case of card loss, cardholders face zero liability on fraudulent transactions made after reporting the loss to the bank. Protection extends to card counterfeit and online fraud incidents.
2% Cashback Categories: Cardholders earn 2% cashback on the following spend categories:
Grocery stores
Departmental stores
Utility bill payments
Maximum cashback limit: ₹50 per statement cycle for this category.
1% Cashback on Other Spends: All other retail transactions earn 1% cashback, capped at ₹50 per statement cycle.
Exclusions: The following transactions do not earn cashback:
Fuel purchases
Rent payments
Wallet load transactions
Cash withdrawals
Education payments
Government transactions
BBPS (Bharat Bill Payment System) transactions (effective from April 1, 2024)
Monthly Bonus Cashback: Cardholders receive an additional ₹50 cashback upon completing minimum retail spends of ₹10,000 in every statement cycle.
Note: Fuel transactions and cash withdrawals are excluded from milestone calculation.
Complimentary Visits: The card provides 2 complimentary railway lounge visits per calendar quarter at select railway stations across India.
Locations: Railway lounge access is available at the following stations:
New Delhi
Delhi
Kolkata (Sealdah)
Jaipur
Asansol
Chennai
Durgapur
Madurai
Facilities Available: Railway lounges offer comfortable seating with air conditioning, complimentary tea and coffee, free Wi-Fi access, newspapers and magazines, and one buffer meal (breakfast, lunch, or dinner) during the visit.
Add-on Cardholder Access: Supplementary cardholders can also enjoy railway lounge benefits, with visits counted under the primary cardholder's quarterly limit.
1% Waiver: Cardholders get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations across the country.
Maximum Benefit: The waiver is capped at ₹100 per statement cycle.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹199 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹199 + GST | Charged every year. Waived if retail spends of ₹10,000 are completed within 90 days of card setup (first year) and ₹40,000 in previous card anniversary year (second year onwards). |
| Add-on Card Fee | ₹0 | Lifetime Free* |
| Cash Advance Fee | 2.5% of withdrawn amount | Maximum ₹500 per transaction. |
| Fuel Surcharge Waiver | 1% on transactions between ₹400–₹5,000 | Maximum benefit of ₹100 per statement cycle. |
| Foreign Currency Transaction | 3.49% markup | Applicable on all international transactions. |
| XpressEMI Conversion | 1% of EMI amount | Minimum ₹99 + GST per conversion. |
| Late Payment Charges | As per bank policy | Varies based on outstanding amounts. |
| Over-limit Charges | 2.5% of over-limit amount | Minimum ₹500. |
| Criteria | Details |
|---|---|
Age (Primary Cardholder) | Self Employed: 25 years to 65 years Salaried: 21 years to 60 years |
Age (Add-on Cardholder) | Minimum 18 years |
Residency | Must be a resident of India |
| Document Type | Details |
|---|---|
| Identity Proof | Passport, Driving License, Aadhaar Card, or any government-issued photo ID |
| Address Proof | Passport, Voter ID, Aadhaar Card, Utility Bills, Ration Card |
| Income Proof | Recent salary slips, Form 16, Income Tax Returns (ITR), or other relevant income documents |
Click on Apply Now: Hit the “Apply Now” button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your AU Bank ALTURA Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Cashback | Use the card at grocery stores, departmental stores, and utility bill payments to earn 2% cashback. |
Track Milestone Spends | Monitor monthly spending to ensure ₹10,000 retail spends are met for bonus ₹50 cashback. |
Railway Lounge Access | Present the card at eligible railway station lounges for complimentary access (2 visits per quarter). |
Fuel Transactions | Use the card for fuel purchases between ₹400 and ₹5,000 to avail a 1% surcharge waiver. |
Contactless Payments | Tap the card at merchant outlets for quick payments up to ₹5,000 without entering PIN. |
Monitor Statements | Regularly check credit card statements through the AU 0101 mobile app or online portal. |
Set Payment Reminders | Enable transaction alerts and payment reminders to avoid late fees and maintain good credit health. |
The AU Bank ALTURA Credit Card is designed for users who want to maximize their credit card benefits effectively.
| Feature | AU Bank ALTURA Credit Card | SBI SimplyCLICK Credit Card |
|---|---|---|
| Reward Points | 2% cashback on daily essentials & bills | 10X on select partners, 5X on other online spends, 1X on offline spends |
| Welcome Benefits | N/A | ₹500 Amazon voucher |
| Annual Fee | ₹199 + GST | ₹499 + GST (waived on ₹1 lakh spends) |
| Joining Fee | ₹199 + GST | ₹499 |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver | 1% on ₹500-₹3,000 transactions |
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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