By: OurMoneyGuide || Last updated on: April 27, 2024
AU Bank Altura Credit Card is a low fee starter card from AU Bank, with a low annual card spend requirement to get an annual fee waiver. It gives higher cashback on certain shopping spends, and on utility bill payments.
You get ₹2 (as cashback), on every ₹100 you spend in these categories.
This is valid only on total purchases upto ₹2500 per month, since the maximum cashback at this rate is restricted to ₹50 per month.
You get ₹1 (as cashback), on every ₹100 you spend on all other card purchases.
This benefit is valid only on purchases upto ₹5000 per month, since the maximum cashback at this rate is restricted to ₹50 per month.
No cashback is given on following card spends – fuel, rent, education, government, wallet loads, Bhart Bill Payment System .
You get an additional cashback of ₹50, on completing a minimum of ₹10,000 card spend in every monthly card statement cycle – 0.50% benefit.
You get free visits to railway lounges in India, 8 times per year (maximum 2 times per quarter). For list of lounges and terms & conditions, please click here
Add-on cardholders can also enjoy these railway lounge benefits within the mentioned complimentary number of visits. Please click here to view details.
You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only. This benefit is applicable only on fuel purchases upto ₹10,000 per month, since the waiver amount is restricted to ₹100 per month
Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹100 in all cases
In an unfortunate event of loss of credit card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank. You are also protected against card counterfeit/skimming and online frauds.
Please click here to view detailed terms and conditions.
You can contact AU Bank 24/7, please click here for details – AU Customer Care Numbers & Other Contact Details
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹199 | Welcome offer : 1st year annual fee is waived off, when you spend ₹10,000 or more within 90 days of card generation date. |
| Renewal fee from 2nd year onwards | ₹199 | Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹40000 or more in the previous year. Hence this card is virtually free, if you spend ₹40000 or more in a year. |
To view all fees and charges, please click here – AU Credit Cards Fees & Charges
| Minimum age | Primary card member: 21 years Add-on card member: 18 years |
| Maximum age | 60 years |
| Occupation | Salaried or self-employed |
| Minimum income requirements | Should have a regular source of income , minimum income not specified |
| Credit score | Good credit score, preferably above 750 |
| Location | Applicant should be based in the credit card sourcing locations of AU bank |
| Required documents | – PAN card copy – Identity proof : PAN card , driving license, valid passport, voter ID (any one) – Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one) – Income proof : latest salary slip/s, income tax return etc Additional documents maybe required on a case-to-case basis. |
| Online application process | The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the AU Bank website. You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy. Steps : – To apply, simply provide your personal details, such as your PAN number, mobile phone number, income & emplyment details, , address, along with the other requirements asked for – Submit the application |
| Offline (face to face) application process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. |
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