If you’re looking for a credit card that suits your spending habits and comes with great additional benefits like cashback, access to railway lounges, and complimentary card liability coverage, the Altura Credit Card is an ideal choice. With this card, you can freely spend on the things you love without hesitation!

When selecting a credit card, it’s important to consider your spending patterns and financial needs. Look for a credit card that offers rewards or cashback programs that match your spending habits. Also, consider any extra perks like lounge access or insurance coverage that may be valuable to you. To find the best credit card for your needs, it’s a good idea to research and compare different credit card offers from various financial institutions. Visit their websites or contact them directly to learn more about the specific benefits and features of their credit cards. Be sure to carefully read the terms and conditions, fees, and interest rates associated with each card.


Welcome Offer: Earn 5% cashback on retail spends of at least INR 2,500 within the first 60 days of getting the card. Maximum cashback per statement cycle is INR 150.

Cashback Features: Get 2% cashback on grocery store, department store, and utility bill payments. Maximum cashback per statement cycle is INR 50. Earn 1% cashback on all other retail spends, also with a maximum cashback of INR 50 per cycle.

Milestone Benefit: Spend a minimum of INR 10,000 in each statement cycle to receive an additional cashback of INR 50.

Railway Lounges: Enjoy 2 complimentary lounge access visits per calendar quarter at railway stations using your VISA card. Add-on cardholders can also avail of this benefit.

Fuel Surcharge Waiver: Receive a 1% fuel surcharge waiver on fuel transactions between INR 400 and INR 5,000 at any fuel station in the country. Maximum waiver per statement cycle is INR 100.

Card Liability Cover: In the unfortunate event of losing your credit card, you won’t be liable for any fraudulent transactions once you report the loss to the bank. You are also protected against card counterfeit/skimming and online frauds.

Contactless Card Usage: Make quick, secure, and easy payments by tapping your AU Credit Card at participating merchants. No need to enter a PIN for amounts up to INR 5000.

XpressEMI: Convert transactions worth INR 2,000 or more into easy EMI options of your choice. Contact the Customer Care helpline to book your XpressEMI.

Add-on Cards: Offer Altura Credit Card benefits to your loved ones through our free lifetime add-on card offering.


Annual Card Membership Fee: The annual membership fee for this card is Rs. 199, excluding taxes.

First Year Fee Waiver: To avoid paying the membership fee for the first year, you need to make retail purchases totaling Rs. 10,000 within 90 days of receiving the card.

Second Year Onwards Fee Waiver: Starting from the second year, you can have the annual fee waived by making retail purchases worth Rs. 40,000 during the previous card anniversary year.


If you’re planning to apply for a AU ALTURA CREDIT CARD in India, it’s important to understand the eligibility criteria.

Eligibility Criteria for Primary Cardholder: To be eligible as the primary cardholder for a credit card in India, you need to meet the following requirements

Age: You must be at least 21 years old but not older than 60 years.

Citizenship: You must be a resident of India.

Eligibility Criteria for Add-On Cardholder: If you want to add an additional cardholder to your credit card account, known as an add-on cardholder, they need to fulfill the following criterion:

Age: The add-on cardholder must be at least 18 years old.

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