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Altura Credit Card

If you are looking for a Credit Card that suits your spending and comes with a wide variety of additional benefits such as cashback, railway lounge benefits and complimentary card liability cover, the Altura Credit Card is perfect for you. With the Altura Credit Card, you don't have to think twice before spending on the things you love!

Features and Benefits

Cashback Features

  • 2% Cashback on all retail spends done at Grocery stores, Departmental stores and Utility bill payments. (Maximum cashback per statement cycle is INR 50)
  • 1% Cashback on all other retail spends*. (Maximum cashback per statement cycle is INR 50)
Note: Fuel, Rent, Wallet & Cash transactions are excluded from earning of cashback. With effect from 1st April 2024, Education & Govt, BBPS transactions will not be eligible for Cashback.

Milestone Benefit

Get additional cashback of INR 50 on completing a minimum of INR 10,000 retail spends in every statement cycle.

Railway Lounges

2 complimentary lounge access per calendar quarter, using VISA Card at railway stations. For list of lounges and terms & conditions, 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.

Fuel Surcharge Waiver

1% Fuel Surcharge Waiver for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum INR 100 per statement cycle)

Card Liability Cover

  • • 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.
  • • Also, you are protected against Card Counterfeit/Skimming and Online frauds.
Please click here to view detailed terms and conditions.

Contactless Card Usage

Use your AU Credit Card to make quick, secure & easy payments by just tapping the card and paying at participating merchants without entering Credit Card PIN for amounts up to INR 5000.


Convert your transactions worth INR 2,000 or more into easy EMI options on select tenure of your choice. Simply call our Customer Care helpline to book your XpressEMI.

Add-on Cards

Offer your Altura Credit Card benefits to your loved ones, through our Add on card offering. What's more? Your Add on card comes free for lifetime! So, go ahead and avail it.

Annual Card Membership fee - Rs. 199 + applicable taxes

Conditions for Annual Card Fee waiver

  • For 1st year fee waiver – Rs.10,000 retail spends done within 90 days of card set up
  • For 2nd year onwards fee waiver – Rs. 40,000 retail spends done in previous card anniversary year

Click here to view Key Fact Statement

Eligibility Criteria

  • - Primary cardholder between the age of 21 years and 60 years
  • - Add-on cardholder should be over 18 years
  • - Resident Indian

These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.
Already applied? Click here to check status