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The AU Small Finance Bank Altura Credit Card is suitable for people from all walks of life. Regardless of whether you are a salaried individual or a first-time credit card holder, you can go ahead and make the most of your rewards and benefits. Not only can you use this card to manage your monthly expenses strategically, but you can also save big through multiple cashback offers, discounts, and complimentary privileges. 

Features and Benefits

Here are the AU Small Finance Bank Altura Credit Card’s benefits:

Initial Cashback

5% cashback of up to ₹150 on a minimum of ₹2,500 spent in the first 60 days of card set-up

Cashback on Spends

Cashback of ₹50 on monthly spends that are less than ₹10,000

Benefits of Everyday Shopping

2% cashback of up to ₹50/month on groceries, departmental stores, utilities, and more

Fuel Surcharge Waiver

1% fuel surcharge waiver of up to ₹100

Lounge Access

8 complimentary domestic railway lounge access

Insurance Cover

Insurance against skimming, counterfeit, and online frauds

Eligibility Criteria

If you tick all of the boxes on the following list, you could be eligible to apply for an AU Small Finance Bank Altura Credit Card:

  • You should be between the ages of 21 years to 60 years

  • Your add-on cardholder should be at least 18 years old

  • You must be an Indian resident


Note: These eligibility criteria are indicative and may vary on a case-to-case basis.

How to Apply for the AU Small Finance Bank Altura Credit Card

Here’s how you can get started on the AU Small Finance Bank Altura Credit Card’s application journey:

  1. Click on ‘Apply Now’

  2. Fill in all necessary details such as your personal information

  3. Submit the details and you’ll be presented with the cards you’re eligible for

  4. Pick the AU Small Finance Bank Credit Card that appeals to you the most

  5. You’ll be directed to complete the journey

  6. Fulfil the activation process


And, you’re done!

Customer Care Details

You can use the following channels of communication in order to get in touch with the AU Small Finance Bank customer care executives:



  • 24X7 Customer Care:1800-1200-1200/1800-26-66677 (Toll-free numbers)
  • For credit cards: 1800 1200 1500 (Toll-free number), 0141-7141100, and 0141-4455000



  • Write to the team at creditcard.support@aubank.in for general queries
  • Write to them at customercare@rewardz.aubank.in for Reward Points related queries


Fees & Charges

Here are the general fees and charges applicable with the AU Altura Credit Card:

Type of Fees


Joining Fees


Annual Fees


Cash Advance Charges

2.5% of the withdrawn amount (minimum ₹100)

Interest Free Period

Up to 48 Days (Exception: Cash withdrawal)

Charges on Revolving Credit - Interest Charges

3.59% per month (43.08% annually) + GST

Late Payment Charges

Less than or equal to ₹100: Nil

Above ₹ 50,000: ₹1,100

Over-limit Charges

2.5% of over-limit amount (Minimum ₹500)

Disclaimer: Kindly refer to the official website or Most Important Terms and Conditions (MITC) document for details and a complete list of fees and charges.

Frequently Asked Questions

Yes, they can. Even if one is a first-time credit card applicant, they can apply for the AU Small Finance Bank Altura Credit Card. 

Simply log into your AU0101 mobile application and go to the Credit Cards section. Your credit limit should be displayed there. You can also revisit your welcome kit where your credit limit would be mentioned. 

Yes, you can. However, using your credit card limit at a rate as high as 70% could have a negative impact on your credit score. 

Absolutely! This credit card is lifetime-free, which makes it a great alternative for those who are just starting out. You can also save some of your hard-earned money through exclusive cashback, rewards, and privileges.  

The AU Small Finance Bank Altura Credit Card is a stylish one that also offers you ease. Its intelligent design allows you to make swift payments with a single tap. 

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