एलिगो (Eligo) सरकारी योजनाओं की खोज हेतु भारत का स्वतंत्र नागरिक सूचना मंच है — किसी भी सरकारी निकाय से संबद्ध नहीं।

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वेतनभोगी एवं दैनिक उपयोग (Salaried)नेटवर्क: Visaसत्यापित: 2026-09-28 (180-दिवसीय SLA)

एयू स्मॉल फाइनेंस बैंक अल्तुरा क्रेडिट कार्ड

जारीकर्ता बैंक / संस्था: AU Small Finance Bank Ltd.

Affordable starter card offering 2% cashback on groceries & departmental stores, railway lounge visits, and ₹40,000 spend waiver.

वार्षिक शुल्क (Annual Fee)₹199 + GST (Renewal: ₹199 + GST)
शुल्क माफी खर्च सीमाSpend ₹40,000 or more in each preceding anniversary year to get the annual renewal fee of ₹199 waived.
रिवॉर्ड दर (Reward Rate)2% cashback on grocery, departmental stores, and utility bill spends (capped at ₹50 per statement cycle per merchant category). 1% cashback on all other retail transactions (capped at ₹50 per cycle).
ब्याज प्रभार (APR)3.49% per month (41.88% per annum) on revolving balances.

💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)

कार्ड का संक्षिप्त विवरण

AU Small Finance Bank Altura Credit Card is an ultra-affordable starter cashback card with a modest ₹199 fee. Tailored for salaried workers in tier-2 and tier-3 cities, it offers 2% cashback on groceries and departmental stores and domestic railway lounge visits.

स्वागत लाभ (Welcome Benefit)

Amazon gift voucher worth ₹250 or fee reversal on spending ₹10,000 within 60 days of card issuance.

एयरपोर्ट लाउंज एक्सेस (Lounge Access)

2 complimentary domestic railway lounge visits per calendar quarter.

ईंधन अधिभार छूट (Fuel Surcharge Waiver)

1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹100 per statement cycle).

माइलस्टोन खर्च लाभ (Milestone Perks)

Earn ₹50 bonus cashback on spending ₹10,000 in a calendar month. Annual fee reversal on ₹40,000 spend.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹15,000. Self-employed individuals aged 21 to 60 with annual ITR exceeding ₹2,50,000.

न्यूनतम वार्षिक आय आवश्यकता

₹15,000/month (Salaried) / ₹2,50,000/year ITR (Self-Employed)

CIBIL स्कोर आवश्यकता: A credit score of 700+ is standard.

📂आवश्यक दस्तावेज (Required Documents)

1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.

⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)

Monthly cashback capping is tight at ₹50 per category. No airport lounge access (railway lounge only). Standard retail spend cashback is modest at 1%.

विलंब भुगतान शुल्क:Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹400 for ₹501–₹1,000; ₹500 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹20,000; ₹1,100 for above ₹20,000 (+ GST).
एटीएम नकद निकासी शुल्क:2.5% of withdrawn amount or ₹100 (whichever is higher) + 3.49% monthly finance charges.
विदेशी मुद्रा मार्कअप:3.49% + GST on foreign currency transactions.

🚀आवेदन के चरण (How to Apply)

Step 1: Visit aubank.in or open AU0101 app. Step 2: Enter PAN and mobile number for instant eligibility check. Step 3: Select AU Altura Credit Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.

आधिकारिक कार्ड पोर्टल पर जाएंआधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What happens if I miss the minimum payment due on AU Small Finance Bank Altura Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹400 for ₹501–₹1,000; ₹500 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹20,000; ₹1,100 for above ₹20,000 (+ GST).. In addition, revolving finance charges at 3.49% per month (41.88% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on AU Small Finance Bank Altura Credit Card into EMI?

Yes, AU Small Finance Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on AU Small Finance Bank Altura Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into AU Small Finance Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹1.00 directly credited as cash against credit card statement balance. Please note: Cashback is credited directly to statement balance and does not expire.

What is the interest-free grace period on AU Small Finance Bank Altura Credit Card and how does it work?

The interest-free period on AU Small Finance Bank Altura Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.49% per month (41.88% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.