AU Small Bank Altura Credit Card Review 2021 | Altura Credit Card Review 2021

Altura credit card is specially designed to fit your budget. It also comes with a bunch of useful and beneficial features. You can also get the opportunity to earn cashback from your expenses. You will also get some other benefits like- EMI facility, lost card liability coverage,  annual fee waiver option, etc. More details of the card are given below. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above ₹3 lakh annually
  • For self-employed person:
    • Age: 21 to 60 yrs.
    • Income: Above ₹3 lakh annually. 
  • Good CIBIL score (Greater than 750).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  •  Joining Fee: ₹199 + GST (Can be waived off on spending ₹10,000 in first 90 days of card set up)
  • Annual Fee: ₹199 + GST (Can be waived off on spending ₹40,000 in a year)


  • Welcome Benefit:

With the activation of the card, you will get a chance to win 5% cashback on the retail transactions done within the first 60 of card activation. 

 The transaction amount should be ₹2500 or more. You can earn a maximum cashback of ₹150 in the credit cycle. 

  • Cashback:

This card offers a 5% cashback on the spending made on Departmental Stores, Grocery, and Utility Bill Payments. 

  You will also get 1% cashback against all other categories. You can earn a maximum cashback of ₹50 in a statement cycle. 

  • Lounge Access:

With this card, you will get 2 free accesses per quarter to some of the selected railway lounges. This offer is only applicable at Kolkata(Sealdah), Ahmedabad, Jaipur, Madurai, New Delhi, and Agra. 

  • Fuel Surcharge Waiver:

You can enjoy a 1% waiver on fuel surcharges. This offer is applicable at all fuel stations In India. The transaction amount should be between ₹400 to ₹5000. You can earn a maximum of ₹100 waivers in a credit cycle. 

  • Lost card liability:

If your card gets lost or stolen, you don’t need to worry about it. Because with the Altura Credit Card you will get coverage against lost or stolen cards.  This feature also covers you against online frauds and skimming. The benefit applies to the fraud transactions done after reporting the loss to the bank. 

  • Milestone Benefit:  

If you can spend ₹10,000 in a credit cycle, you will get ₹50 cashback as a bonus reward. 

 If you can spend ₹10,000 in the first 90 days of card activation you will get a 100% waiver on your first-year joining fee. 

   Also, you will get a complete waiver on the annual fee on spending ₹40,000 in a year. 

  • EMI Facility:

With Altura Credit Card you can convert your high-value purchases into EMI and pay them back in small monthly installments. The transaction amount should be at least ₹2,000. 

 You can just call the helpline number to book EMI. 

  • Add on the facility: 

You can share the benefits of your card with your loved ones. Just add them with your card as an add-on member and they can enjoy the benefits like you.

  • Contactless payment:

The Altura Credit comes equipped with an advanced contactless payment facility. It allows you to pay with just a wave at any secure reader machine. 

  • Global Acceptance:

Since it is a Visa credit card it is accepted worldwide. You can use it at any outlets or e-commerce site where Visa cards are accepted.


  • Cash Withdrawal Charge:  2.5% against the transaction amount, minimum ₹100.

  • Finance Charge: 3.49% monthly or 41.88% annually.

  • Foreign currency transaction: 3.49% against the transaction amount.

Contact Details:

Call: 1800-1200-1500


100XGain Ratings:


Final Opinion:

After studying the benefits of the card I can say that it has been designed to be a low-cost budget-friendly Credit Card for everyday uses. It offers a number of useful features and up to 5% cashback on the spending you make. One drawback of the card is the ₹50 limit on cashback which ruins the fun of it. Otherwise, it is a good credit card to have. 

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