AU Small Finance Bank Altura Credit Card

Enjoy benefits of ₹2,000+ on spending ₹10,000 a month. Get up to 2% instant cashback and other benefits with this cashback card.

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Key Highlights of the AU Small Finance Bank Altura Credit Card

Here’s why this cashback credit card is an ideal choice:

Joining Fee	₹199 - Refunded if you spend ₹10,000 within the first 90 days
Annual Fee	₹199 - Waived off on spending ₹40,000 on retail transactions in the previous year
Suitable for	Cashback on retail purchases and utility bills
Key Feature	2 complimentary railway lounge visits
Milestone Bonus	Additional cashback of ₹50 when you spend ₹10,000 in a month

Features and Benefits

This co-branded card from ICICI Bank and MakeMyTrip is ideal for you to save on travel, fuel, and lifestyle purchases. Here are its standout perks:

Welcome Benefit

Get ₹500 My Cash and a MakeMyTrip holiday voucher worth ₹3,000 when you first start using the card

Unique Rewards Program

Earn up to 40,000 rewards points called MyCash, when using the card for travel bookings on MakeMyTrip

Fuel Surcharge Savings

Get a 1% surcharge waiver at HPCL pumps on fuel bills of up to ₹4,000, when swiping the card on ICICI Merchant Services swipe machines

Milestone Perks

Get 1,000 My Cash when you spend ₹2.5 Lakhs in an anniversary year and an added 1,000 as My Cash on spending ₹50,000 on MakeMyTrip website

25% Off on Movies

Get a discount of up to ₹150 twice a month on BookMyShow and INOX

Railway Lounge Visit

Enjoy 1 free access to a railway lounge in a calendar quarter

Accelerated My Cash

Earn 2 My Cash per ₹200 spent on flight bookings done via MakeMyTrip

Airport Lounge Visit

Enjoy a visit to a domestic airport lounge once per calendar quarter on spending ₹5,000 in the preceding quarter

Added MakeMyTrip Perks

Get an extended validity of 1.5 years on My Cash received as part of the joining benefit

Insurance Covers

Enjoy peace of mind with comprehensive covers such as travel insurance, lost card liability, and more

Shopping and Culinary Treats

Enjoy savings on Zomato, Bakingo, LG, Samsung, Spykar, Postcard Hotels, and more when paying with this ICICI Bank credit card

Features and Benefits

With cashback on almost every transaction, this card is a good option to save as you spend.

Special Category Cashback

Get 2% cashback up to ₹50 per month when you pay utility bills or spend at grocery or departmental stores

Guaranteed Cashback

Enjoy 1% cashback up to ₹50 on eligible retail purchases

Milestone Benefit

Get additional cashback of ₹50 when you spend ₹10,000 in a month

Lounge Access

Enjoy 2 complimentary railway lounge visits in a calendar quarter with a VISA card

Fuelling Perks

Avoid the 1% fuel surcharge of up to ₹100 per month on bills between ₹400 and ₹5,000

Gadget Purchase Perks

Enjoy extended warranty and free insurance when you buy electronics, including mobile phones

Zero Liability Coverage

Enjoy protection from fraud and counterfeiting in case your card is misused

Contactless Payment Safety

Benefit from the payWave technology, which allows you to make payments of up to ₹5,000 with a tap

Easy EMI Conversion

Simply call customer care to convert any transaction above ₹2,000 into EMIs with flexible tenor options

Free Add-on Cards

Extend the ease of credit to your family members with lifetime-free add-on cards from AU Small Finance Bank

AU Small Finance Bank Altura Credit Card’s Cashback Benefit

This credit card offers cashback instead of rewards. Here is how you can earn it:

A. Cashback

Get 1% cashback up to ₹50 on retail transactions

Note: Excluded categories include fuel, wallet uploads, rent, cash withdrawal, BBPS, education, and government-related expenditure

You can get 2% cashback up to ₹50 per month when you spend at grocery stores and department stores or pay utility bills
You can also get an extra ₹50 cashback when you spend ₹10,000 or more in a month

Here is an example:

Purchase (Monthly)	Amount	Cashback (₹)
Grocery Shopping	5,000	50
Gym Membership	3,000	50
Dining Out	3,000	50
Bonus Milestone Cashback	-	50

Disclaimer: The above example is for illustration purposes only.

B: Example of Savings

Referring to the examples above, here is a look at what your annual expenses and savings will look like:

Category	Details	Cashback (₹)
Grocery Shopping	Assuming spends ₹60,000 p.a./ ₹5,000 p.m.	600
Gym Membership	Assuming spends ₹36,000 p.a./ ₹3,000 p.m.	600
Dining Out	Assuming spends ₹36,000 p.a./ ₹3,000 p.m.	600
Bonus Milestone Cashback	On total spends ₹1,32,000 p.a./ ₹11,000 p.m.	600
Total Annual Savings		2,400

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.

This example demonstrates that you can earn up to ₹2,400 cashback a year when you spend ₹1,32,000 via the Altura Credit Card.

Fees and Charges Associated with the AU Small Finance Bank Altura Credit Card

Here are the charges applicable to this card based on your usage:

Fee Type	Details
Joining/Annual Fee	₹199 (Zero if you spend ₹10,000 within the first 90 days of set-up)
Reward Redemption Fee	₹99
Cash Advance Fee	2.50% of the withdrawn amount or ₹500, whichever is higher
Interest Charges	3.59% per month; 43.08% per annum
Minimum Amount Due	5% calculated as: 5% of Principal Amount + EMI + 5% of Fees and Interest + Membership Fee + Applicable Taxes
Late Payment Fee	Can go up to ₹1,300 based on the outstanding amount
Foreign Currency Transaction Fee	3.49% of the transaction amount

Note: A Goods & Services Tax (GST) of 18% is applicable on all the charges mentioned above.

Disclaimer: These fees and charges are subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

AU Small Finance Bank Altura Credit Card’s Eligibility Criteria

Make sure to check the AU Small Finance Bank Altura Credit Card eligibility criteria to know if you can apply. You need to be:

An Indian citizen
Between 21 and 60 years of age
18+ years old to be an add-on cardholder
Either salaried or self-employed
Eligible as per the minimum income criteria set by the bank

Documents Required

Here is an indicative list of documents you can keep ready before applying:

Identity Proof:
1. PAN Card
2. Passport
Address Proof:
1. Aadhaar Card
2. Ration Card
3. Utility Bill (electricity, water)
Income Proof:
1. 3 months bank statement
2. Salary slips, Form 16, Income Tax Returns (ITR)

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

The AU Small Finance Bank Altura Credit Card is not available on Bajaj Markets. You can head to the official website of AU Small Finance Bank to apply for the same.

Customer Care

In case of any questions, contact AU Small Finance Bank’s customer care team via call or email:

Call 1800 1200 1500 (toll-free), 0141-7141100 or 0141-4455000 (chargeable)
Email creditcard.support@aubank.in
For Reward Points-related queries, write to customercare@rewardz.aubank.in

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

About Credit Cards Services

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How to get an annual fee waiver on my AU Small Finance Bank Altura Credit Card?

The annual fee for the Altura Credit Card is ₹199. This will be waived when you spend ₹10,000 within the first 90 days of card set-up. From the second year onwards, spend ₹40,000 in the previous year to avoid paying this fee.

Do I get airport lounge access on the AU Small Finance Bank Altura Credit Card?

No, you are not entitled to free airport lounge access with the Altura Credit Card. However, you can enjoy free railway lounge visits up to 8 times a year.

What are the fuel benefits of the AU Small Finance Bank Altura Credit Card?

When you refuel at any fuel station in India, you can enjoy a 1% surcharge waiver. This is applicable on bills between ₹400 and ₹5,000, up to 100 a month.

How much cashback do I get when I use the AU Small Finance Bank Altura Credit Card to pay at grocery or departmental stores?

You can get a 2% cashback up to ₹50 per month when you use the card to pay at grocery or departmental stores.

Is there any cashback available on rent payments done with the AU Small Finance Bank Altura Credit Card?

No, rent is among the categories that are excluded from cashback. Other categories are fuel, wallet uploads, cash withdrawal, BBPS, education, and government transactions. You can get cashback on grocery shopping, eligible retail purchases, and more.