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Last updated: 01-06-2026
AU Bank Altura Credit Card
AU Small Finance Bank

AU Bank Altura Credit Card

"AU Bank's entry card โ€” lifetime free with 2X rewards on weekends, lounge access on spend condition and 1% rewards on all spends"

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Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free card
๐ŸŽฏ Best Suited For
First-time card seekers who want a no-fee card with decent rewards, lounge access on achievable spend and fuel surcharge waiver from AU Small Finance Bank
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น1 for most redemptions โ€” higher than typical โ‚น0.25 per RP)
๐ŸŽ‰ Welcome Benefit
500 bonus RPs (worth โ‚น500 at 1 RP = โ‚น1) on spending โ‚น10,000 within 30 days
๐Ÿ’ฐ Reward Rate
2 RPs per โ‚น200 on weekend spends (Saturday and Sunday) (1% effective); 1 RP per โ‚น200 on weekday spends (0.5% effective); excludes fuel, EMI, cash, government, rent; 1 RP = โ‚น1 for redemption
โœˆ๏ธ Lounge Access
1 complimentary domestic airport lounge visit per quarter on spending โ‚น10,000 in the current calendar month
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โœ… Pros
  • Completely lifetime free
  • 1 RP = โ‚น1 โ€” best redemption value among entry free cards
  • 2X rewards on weekends
  • 1 domestic lounge visit per quarter on achievable โ‚น10K monthly spend
  • Personal accident cover โ‚น2 lakh
  • 15% dining discount at 1,500+ restaurants
โŒ Cons
  • Base weekday reward rate 0.5% is average
  • High forex markup 3.5%
  • Smaller banking network vs larger banks
  • Lounge requires โ‚น10K monthly spend
  • Weekend-only 2X benefit may not suit all spending patterns

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น1 for most redemptions โ€” higher than typical โ‚น0.25 per RP)
Welcome Benefits
500 bonus RPs (worth โ‚น500 at 1 RP = โ‚น1) on spending โ‚น10,000 within 30 days
Reward Rate
2 RPs per โ‚น200 on weekend spends (Saturday and Sunday) (1% effective); 1 RP per โ‚น200 on weekday spends (0.5% effective); excludes fuel, EMI, cash, government, rent; 1 RP = โ‚น1 for redemption
Reward Redemption
AU Bank rewards platform: merchandise, vouchers, cashback at 1 RP = โ‚น1; flights and hotels via portal; RPs valid 3 years
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น400 to โ‚น5,000; maximum โ‚น200 per statement cycle
Lounge Access
1 complimentary domestic airport lounge visit per quarter on spending โ‚น10,000 in the current calendar month
Spend Based Fee Waiver
Not applicable โ€” lifetime free
Milestone Benefits
500 bonus RPs on โ‚น10K welcome spend; lounge on โ‚น10K monthly spend
Other Benefits
1 RP = โ‚น1 โ€” best redemption value among entry-level free cards; fuel surcharge waiver; contactless payments; EMI conversion; 15% off at 1,500+ restaurants; movie discounts; personal accident cover โ‚น2 lakh

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Personal accident cover โ‚น2 lakh; zero liability on timely reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
2X weekend rewards; 1 RP = โ‚น1 redemption; 1 domestic lounge per quarter on โ‚น10K monthly spend; 15% dining discount

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free card
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.49% per month (41.88% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per AU Bank prevailing slab
Over Limit Charges
As per AU Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Lounge requires โ‚น10K monthly spend; high forex markup 3.5%; smaller banking network vs larger banks

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 60 years; Indian resident; salaried or self-employed; minimum monthly income โ‚น15,000+
Credit Score Requirement
680+ CIBIL recommended
Credit Limit
Based on income and AU Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น2,000
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per AU Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via AU 0101 app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 1200 1500 (toll-free, 24x7)
Chat / Email Support
Chat via AU 0101 app
Mobile App
AU 0101 app: manage card, track RPs, pay bills
Online Banking
AU Small Finance Bank website

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:32 PM
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