MyFinCards
Altura Credit Card

Joining Fee

₹199

Annual Fee

Rs. 199 (Reversed on annual spends of Rs. 0.4 Lakhs)

AU Small Finance Bank
Cashback
Lifestyle
Best For: Daily grocery and utility bill payers, Budget-conscious shoppers, Railway travellers

Altura Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹50 /statement_cycle

Pros

  • Low annual fee of ₹199 with easy waiver
  • 2% cashback on groceries, departmental stores and utilities
  • 8 complimentary railway lounge visits per year
  • Free add-on cards
  • Zero processing fee on EMI conversions
  • Complimentary device protection insurance

Cons

  • Cashback capped at ₹50 per statement cycle per category
  • Fuel surcharge waiver capped at ₹100 per statement cycle

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Fuel, rent, wallet and cash transactions excluded from cashback

Education, Govt and BBPS transactions not eligible for cashback from 1st April 2024

1st year fee waiver requires ₹10,000 retail spends within 90 days of card setup

2nd year onwards fee waiver requires ₹40,000 retail spends in previous card anniversary year

Key Benefits & Features

Add-on cards available at no additional charge

Contactless payments up to ₹5,000 without PIN

Eligibility Criteria

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Notable Exclusions

Fuel transactions excluded from cashback earningRent transactions excluded from cashback earningWallet transactions excluded from cashback earningCash transactions excluded from cashback earningEducation and Government transactions not eligible for cashbackBBPS transactions not eligible for cashback

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Altura Credit Card

The AU Small Finance Bank Altura Credit Card is designed to help everyday shoppers transform their spending into meaningful savings. Issued on the RuPay network, it offers up to 2% cashback on purchases made at grocery stores, departmental stores, and utility bill payments, with 1% cashback on all other retail spends. An additional milestone cashback of ₹50 is awarded when retail spends reach ₹10,000 in a statement cycle, rewarding consistent usage. Beyond cashback, the Altura Credit Card caters to travellers with 8 complimentary railway lounge accesses per year, making journeys more comfortable. Cardholders also benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India, helping reduce everyday commuting costs. The card comes with several added protections and conveniences, including a complimentary device protection plan covering mobile and electronic purchases, card liability cover against fraudulent transactions, and contactless payment capability for quick transactions up to ₹5,000. Transactions of ₹2,000 or more can be converted into EMI with zero processing fees, and free add-on cards can be issued for family members. With an annual membership fee of just ₹199, the Altura Credit Card is a practical, value-driven choice for budget-conscious individuals seeking everyday rewards.

Expert Review

Our Verdict

Entry-level cashback card with 2% on groceries & utilities, railway lounge access, and fuel waiver.

Frequently Asked QuestionsAbout Altura Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Altura Credit Card?
To apply for the Altura Credit Card, salaried applicants must be between 21 to 60 years of age, while self-employed applicants must be between 25 to 65 years of age. Add-on cardholders must be over 18 years of age. The applicant must be a Resident Indian. Please note that these criteria are only indicative, and AU Small Finance Bank reserves the right to approve or decline applications.
FEESWhat is the joining fee and annual fee for the Altura Credit Card?
The Altura Credit Card has a joining fee and annual membership fee of ₹199 + GST. For the 1st year, the fee can be waived if you complete ₹10,000 in retail spends within 90 days of card setup. From the 2nd year onwards, the fee is waived if you spend ₹40,000 or more in retail transactions during the previous card anniversary year.
REWARDSHow much cashback can I earn on the Altura Credit Card?
You can earn 2% cashback on spends at grocery stores, departmental stores, and utility bill payments, with a maximum cashback of ₹50 per statement cycle per category. You also earn 1% cashback on all other retail spends, capped at ₹50 per statement cycle. Additionally, you can earn a milestone cashback of ₹50 on a minimum retail spend of ₹10,000 in every statement cycle. Fuel, rent, wallet, and cash transactions are excluded from cashback earning.
REWARDSWhich transactions are excluded from cashback on the Altura Credit Card?
The following transactions are excluded from earning cashback on the Altura Credit Card: fuel transactions, rent payments, wallet loads, and cash transactions. Additionally, with effect from 1st April 2024, Education, Government (Govt), and BBPS transactions are also not eligible for cashback. Please ensure your spends fall within eligible retail categories to maximize your cashback benefits.
BENEFITSWhat railway lounge access benefits does the Altura Credit Card offer?
The Altura Credit Card offers 8 complimentary railway lounge visits per year across India. This benefit allows cardholders to travel in leisure and enjoy comfortable lounge facilities at railway stations. You can refer to the Railway Lounge list available on the AU Small Finance Bank website to find the participating lounge locations. This is a great lifestyle perk for frequent rail travellers.
BENEFITSWhat is the fuel surcharge waiver benefit on the Altura Credit Card?
The Altura Credit Card offers a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 at all fuel stations across India. The maximum waiver is capped at ₹100 per statement cycle. This benefit applies to transactions at petrol pumps nationwide, helping you save on every refuel. Note that fuel transactions are excluded from cashback earning but are eligible for the surcharge waiver.
USAGECan I register my RuPay Credit Card on UPI if my mobile number is not linked to the card?
No, to register your RuPay Credit Card on the UPI application, the mobile number linked with your RuPay Credit Card and the UPI application must be the same. If the mobile numbers differ, you will not be able to complete the registration. You will need to ensure both your credit card and UPI app are linked to the same mobile number before proceeding.
USAGEHow can I link my AU RuPay Credit Card to a UPI application?
To link your AU RuPay Credit Card to a UPI application, follow these steps: Download a UPI Third Party Application (BHIM, PayTm, or Mobikwik) from the Play Store or App Store. Verify your mobile number and complete registration. Select the option 'Add Credit Card / Link Credit Card'. Choose AU Small Finance Bank as the card issuer. Select your AU Small Finance Bank Credit Card. Confirm the details displayed and generate your UPI PIN if not already done.
USAGECan I convert my UPI transactions on the RuPay Credit Card to EMI?
Yes, you can convert eligible RuPay Credit Card transactions to EMI. The Altura Credit Card also supports Xpress EMI, which allows you to convert transactions worth ₹2,000 or more into easy monthly instalments with zero processing fee. This makes it convenient to manage large purchases by spreading them across manageable payments without incurring any additional processing charges.
USAGEHow do I set my daily UPI transaction limit for my RuPay Credit Card?
You can set your daily UPI transaction amount limit for AU RuPay Credit Card transactions by adjusting the POS Usage limit in the AU 0101 application. If you wish to stop UPI transactions on your AU RuPay Credit Card entirely, you can disable the POS usage limit in the AU 0101 app. This gives you full control over your card's usage and transaction security.
BENEFITSDoes the Altura Credit Card offer any device protection insurance?
Yes, the Altura Credit Card comes with a complimentary Device Protection Plan. This includes free insurance and extended warranty coverage on mobile phones and other electronic purchases made using the card. This benefit helps protect your valuable electronic devices against unexpected damage or defects, adding extra peace of mind for your technology purchases at no additional cost.
BENEFITSAre add-on cards available with the Altura Credit Card?
Yes, the Altura Credit Card offers free add-on cards, allowing you to extend the card's benefits to your family members and loved ones. Add-on cardholders must be over 18 years of age. There is no additional fee for add-on cards, making it a cost-effective way to share the card's lifestyle and cashback benefits with your family.
BENEFITSWhat card liability protection does the Altura Credit Card offer?
The Altura Credit Card provides a Card Liability Cover that offers zero liability on fraudulent transactions made on your lost card after you report the card loss to the bank. The card also protects against counterfeit or skimming fraud and online frauds. It is important to report card loss to AU Small Finance Bank immediately to activate this protection. Please refer to the detailed Terms and Conditions on the bank's website for more information.
INTERNATIONALCan I use the Altura Credit Card for international transactions?
The Altura Credit Card operates on the RuPay network. Currently, UPI payments using RuPay Credit Cards are only supported for domestic merchants within India. For international usage, please check with AU Small Finance Bank directly, as the card's international acceptance may be limited. Additionally, there is no forex markup information specified for this card, so it is advisable to confirm international usage terms before travelling abroad.
APPLICATIONHow can I apply for the Altura Credit Card?
You can apply for the Altura Credit Card online through the AU Small Finance Bank website by clicking the 'Apply Now' button on the Altura Credit Card page. You can also visit any of the 1,042 AU Small Finance Bank branches and ATMs across India to apply in person. For assistance, you can contact AU Small Finance Bank's 24x7 customer support. The bank reserves the right to approve or decline applications based on its internal criteria.

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