AU Altura
AU Small Finance Bank
Last updated: Nov 19, 2025
₹199
₹199
1.99%
3 visits/yr
Contents
AU Altura is a budget-friendly Visa card with cashback and milestone benefits. It offers complementary lounge access and useful milestone rewards for occasional travellers. Good fit for customers seeking low joining fees and straightforward reward earning.
Features of AU Altura which makes it unique
Smart EMI
Instant EMI conversion at checkout
Flexible repayment
Faster than peers
Spend Analyzer
Track monthly expenses by category
Better budgeting
AI-based insights
Rewards Structure of AU Altura
Dining
acceleratedRestaurants and dining merchants
Shopping
baseAll merchants
Milestones of AU Altura
Quarterly Milestone
₹30,000 : ₹300 cashback
Annual Milestone
₹1,00,000 : Milestone reward points redeemable for travel vouchers
Fees & Charges of AU Altura
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹199 |
| Annual Fee | ₹199 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waived on ₹10,000 spend within 90 days (then conditions may vary).
Fee Explanation Standard bank interest and fees apply on overdue amounts as per issuer T&C.
Lounge Access Benefits with AU Altura
domestic Lounges
goldVisits per year: 2
Guest access: No
Primary cardholder only; select lounges
international Lounges
platinumVisits per year: 1
Guest access: Yes
Via network/partner access subject to spends
Insurance Coverage with AU Altura
travel insurance
₹5,00,000Valid on international trips booked using the card subject to T&C
purchase protection
₹25,000Protection within 90 days of purchase; merchant and item exclusions apply
Additional Features of AU Altura
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 add-on cards allowed
Welcome Bonus with AU Altura
Welcome Bonus: 10,000 reward points
Bonus Conditions: Valid for new customers only; transfers and other T&C apply.
Application Process for AU Altura
Processing Time
3-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via AU Small Finance Bank portal or partner site
Upload KYC documents
Receive verification call or OTP
Virtual card provisioned instantly; physical card dispatched within 3–7 business days
Required Documents for AU Altura
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
AU Altura Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally wherever Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU Altura
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and Aadhaar. KYC and eligibility subject to issuer checks.
How Approval Is Decided
- Minimum income (salaried) around ₹25,000/month
- Indian resident
- Credit score preferably above 700
Pros of AU Altura
- Low joining and annual fee
- Clear cashback and milestone structure
- Complimentary lounge visits (limited)
Cons of AU Altura
- Lower insurance coverage vs premium cards
- Some partner benefits subject to minimum spends
Frequently Asked Questions about AU Altura
Is there a joining fee?
Yes — ₹199 joining fee; can be waived with qualifying spend within the initial period.
What are the annual fee waiver conditions?
Annual fee is ₹199 and can be waived subject to specified spends or promotional conditions.
How quickly is the card delivered?
Virtual card often available instantly; physical card typically dispatched within 3–7 business days after approval.
What is the forex markup on international spends?
Standard forex markup is around 1.99% on international transactions (issuer rates apply).
How do I redeem reward points?
Points can be redeemed for vouchers, flight miles (subject to minimum transfer), or statement credits via the issuer portal.
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