AU Small Finance Bank Altura Credit Card Review

The au small Aultra Credit card is unmatched when it comes to attractive benefits at an affordable rate. While this au bank credit card comes with a minimal annual fee of Rs.199 it lets you enjoy exclusive cashback on every transaction, free access to railway lounges, extra benefits on milestone spending, complimentary lost card liability coverage, and lots more. More about the au bank credit card benefits are discussed below

Who can apply for the AU Small altura credit card?

  • Resident Type: Indian. 
  • Au bank credit card eligibility criteria for salaried person:
    • Au credit card age limit: 21 to 60 yrs. 
    • Income: Above Rs.3 lakh annually
  • Au credit card eligibility criteria for self-employed person:
    • Au credit card age limit: 21 to 60 yrs.
    • Income: Above Rs.3 lakh annually. 
  • A good credit score (670+) is required to apply for this Au altura card.

You can apply for this card from the au bank credit card apply online page. Once your credit card application is submitted, you will get a unique application id. you can later use that id to track your credit card application status from the au credit card tracking page. You can find the complete process on our faq page.

What documents are required to apply for an au small finance bank credit card?

  • 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 (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 

As per the new rules, all new au bank credit cards are delivered in an inactive state. So if you want to know about the au credit card pin generation process, then feel free to take a look at our faq page.

What are the Au small finance bank credit card fees?

  • Au Aultra card joining fee: Rs.199 + GST 
  • Au Altura credit card annual fee: Rs.199 + GST 

What are Au Small Aultra credit card benefits?

  • A huge joining bonus to welcome you:

On spending Rs.2500 or more within the first 60 of your au credit card activation, you can get a 5% cashback (up to Rs.150) on the total spent amount.

  • Enjoy cashback on every transaction:

Category of transaction

Cashback amount

Grocery, Departmental stores, and Utility bill payments 2% cashback (upto Rs.50 in a month)
All other retail transactions 1% cashback (upto Rs.50 in a month)
  • Complimentary Au credit card lounge access:

This au bank credit card offers you 2 free quarterly accesses to some of the selected railway lounges including; Kolkata(Sealdah), Ahmedabad, Jaipur, Madurai, New Delhi, and Agra. 

  • Get freedom from fuel surcharges:

This credit card features a 1% waiver on fuel surcharges across all fuel stations In India. The transaction amount should be between Rs.400 to Rs.5000. You can earn a maximum of Rs.100 waivers in a credit card billing cycle

  • Complimentary lost card liability coverage:

The Au altura card comes with complimentary lost card liability coverage. So, if your au finance bank card ever gets lost or stolen, you just have to report it by calling the AU credit card customer care no and you will no longer be liable for anything bad that may happen to your au card account.

  • Attractive au bank card milestone benefits:

You can also earn some extra benefits too.

Credit card usage


Rs.10,000 spent in a credit card statement cycle Rs.50 cashback
Rs.40,000 spent in a year A complete waiver on your next year’s Au credit card annual charges
Rs.10,000 spent within the first 90 days of card activation A complete waiver on the first-year joining fee

You can keep track of your au credit card status from your au credit card net banking account.

  • A very useful Au credit card emi facility:

This au small finance credit card allows you to convert your high-value purchases (over Rs.2000) into EMI. This credit card facility is very helpful for frequent shoppers.

  • Global Acceptance:

Since it is a visa platinum credit card it is accepted worldwide. You can use your au small bank credit card at any outlet or e-commerce site where Visa cards are accepted.

What are the au finance aultra credit card charges?


Chargeable amount

Credit card cash withdrawal Charge 2.5% against the transaction amount, minimum Rs.100 (Check your available credit card cash withdrawal limit before making a withdrawal)
Au small credit card finance charge 3.49% monthly or 41.88% annually (Applicable if your credit card bill is not paid in time)
International credit card transaction charge 3.49% against the transaction amount
Add on credit card fee None

How to contact the Au small finance credit card customer service department?

If you have some queries/complaints about au bank credit card services, then you can –

100xGain Ratings: 


Pros and cons of the Au small finance bank Altura credit card:



  • This au finance bank credit card gives you free access to railway lounges.
  • This Au credit card offers up to a 2% cashback on every transaction.
  • It is a low annual fee credit card.
  • The maximum amount of cashback you can earn in a month is way too low.
  • There are no entertainment benefits on this au finance credit card.

Final Opinion:

After studying the benefits of the card I can say that it has been designed to be a low entry barrier credit card that is best suited for beginners. You can use it to improve your credit score. But if you are looking for the best credit card offers, then you will be disappointed with this au bank card.

In this case, I would encourage you to take a look at our best credit cards pages. You can also compare the alternative card options given below.

Alternative cards of the au small finance bank altura card: 

  1. American Express Platinum Reserve Credit Card (Best for lounge access and dining benefits) 
  2. Kotak Mahindra NRI Royale Signature Credit Card (Best for offering lounge access)
  3. RBL Platinum ShopSmart SuperCard (Best for offering cashback and lounge access) 
  4. Club Vistara SBI Card PRIME (Best for offering lounge access) 


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