AU Altura Credit Card
AU · VISA★ 4.3/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
1.50% on Online Shopping
1.5% cashback on online transactions
1% on Other
1% cashback on all other spends
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
1.5%
online shopping cashback
1.0%
Base rate (all other spends)
- 1.5% cashback on online shopping
- 1.0% on all other spends — no restrictions
AU Altura is AU Bank's no-fee starter card — 1.5% on online spends, 1% offline, 1 domestic lounge visit per quarter. Simple, accessible, and fee-free for AU account holders starting their credit journey.
Who is this for?
For AU Small Finance Bank account holders getting their first credit card. The quarterly lounge visit adds a touch of premium to an entry card, making it more aspirational than most zero-fee cards.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | cashback | 1.50% | — |
| Other | cashback | 1% | — |
Online Shopping: 1.5% cashback on online transactions
Other: 1% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
1% fuel surcharge waiver on fuel transactions
Should you get it?
- Best for: First-time card users, Low to moderate spenders
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Online Shopping (1.50% back).
Pros
- No joining or annual fee — lifetime free
- Simple, accessible entry/mid-tier card
- Can be linked to UPI for everyday payments
Cons
- Reward caps may limit value for very high spenders
- Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
Base earn rates are bottom-tier — this card builds credit history, not wealth.
Bottomline
CardAdvisor Rating: 4.3 / 5Altura gives first-time AU customers something rare at zero fee: a touch of premium. As a first card it is perfectly serviceable; as a rewards engine it is forgettable. Take it for the lounge visit, build your score, upgrade later.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the AU Altura Credit Card are taken from AU's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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