{"id":86209,"date":"2026-04-10T17:47:05","date_gmt":"2026-04-10T12:17:05","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86209"},"modified":"2026-04-10T17:47:13","modified_gmt":"2026-04-10T12:17:13","slug":"au-altura-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/au-altura-credit-card\/","title":{"rendered":"Get More From Routine Purchases With AU Altura Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 2% cashback on grocery and utility expenses.<\/li>\n\n\n\n<li>Earn \u20b950 bonus cashback on a monthly spend of \u20b910,000.<\/li>\n\n\n\n<li>Enjoy 8 complimentary railway lounge visits every year.<\/li>\n\n\n\n<li>Cash withdrawal limit available up to 40% of the credit limit.<\/li>\n\n\n\n<li>The annual fee is waived on yearly spending of \u20b940,000.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The AU Altura Credit Card offers simple cashback benefits on everyday spending. You earn 2% cashback on grocery, departmental store, and utility bill payments, and 1% on other retail spends.<\/p>\n\n\n\n<p>Certain categories like fuel, rent, wallet, education, and government payments are excluded. The card comes with a joining and annual fee of \u20b9199+GST. You can also get up to 3 AU Altura Credit Card lifetime free add-on cards per account.<\/p>\n\n\n\n<p>Want to explore more useful features of the AU Altura Credit Card that add everyday value? Keep reading!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#au-altura-credit-card-benefits\">AU Altura Credit Card Benefits<\/a><\/li><li><a href=\"#railway-lounge-access-details-and-services\">Railway Lounge Access Details and Services<\/a><\/li><li><a href=\"#au-altura-credit-card-fees-and-charges\">AU Altura Credit Card Fees and Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"au-altura-credit-card-benefits\"><strong>AU Altura Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Altura-Benefits-1024x682.jpg\" alt=\"AU Altura Credit Card Benefits\" class=\"wp-image-86211\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Altura-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Altura-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Altura-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Altura-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Altura-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>Begin your journey by earning an extra \u20b950 cashback when you spend \u20b910,000 in a statement cycle. Below are more such benefits offered by this card:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Railway Lounge Access:<\/strong> Enjoy 8 complimentary railway lounge visits every year for a more comfortable and relaxed travel experience.<\/li>\n\n\n\n<li><strong>Fuel Savings Benefit:<\/strong> Get 1% fuel surcharge waiver on transactions between \u20b9400 and \u20b95,000, with savings capped at \u20b9100.<\/li>\n\n\n\n<li><strong>Device Protection:<\/strong> Receive complimentary insurance and extended warranty on mobile phones and electronic purchases made using your credit card.<\/li>\n\n\n\n<li><strong>Contactless Payments:<\/strong> Make fast and secure payments up to \u20b95,000 without entering a PIN by simply tapping your card or device.<\/li>\n\n\n\n<li><strong>Easy EMI Option:<\/strong> Convert purchases above \u20b92,000 into EMIs with zero processing fee for flexible and convenient repayment options.<\/li>\n\n\n\n<li><strong>Fraud Protection Cover:<\/strong> Get zero liability on fraudulent transactions after reporting a loss, along with protection against skimming and online fraud.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"railway-lounge-access-details-and-services\"><strong>Railway Lounge Access Details and Services<\/strong><\/h2>\n\n\n\n<p>The Altura Card provides access to selected railway lounges with simple entry steps and useful travel facilities. You can relax for up to 2 hours with comfortable seating, enjoy tea or coffee with a buffet meal, and use free Wi-Fi, newspapers, and magazines.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-to-access-the-lounge\"><strong>How to Access the Lounge?<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Present your active AU Credit Card along with a valid train ticket at the lounge entrance.<\/li>\n\n\n\n<li>A \u20b92 non-refundable charge is applied for card validation.<\/li>\n\n\n\n<li>Entry is granted after successful verification, while guests are charged separately.<\/li>\n<\/ol>\n\n\n\n<p><strong>Note:<\/strong> Additional <a href=\"https:\/\/www.au.bank.in\/content\/dam\/aubank\/in\/en\/pdf\/railway-lounges.pdf\" target=\"_blank\" rel=\"noopener\">services at the railway lounge<\/a> may be chargeable. Children below 3 years can enter for free, but food and services may be billed separately.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"au-altura-credit-card-fees-and-charges\"><strong>AU Altura Credit Card Fees and Charges<\/strong><\/h2>\n\n\n\n<p>You can withdraw cash up to 40% of your total credit card limit. Cash withdrawals attract a charge of 2.5% of the amount or \u20b9500, whichever is higher.<\/p>\n\n\n\n<p>The table below shows other important charges you should know:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>3.75% monthly or 45% annually<\/td><\/tr><tr><td>Payment Return Charges<\/td><td>2%, or min. \u20b9500<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5%, or min. \u20b9500<\/td><\/tr><tr><td>Duplicate Statement Fee<\/td><td>\u20b9100<\/td><\/tr><tr><td>Outstation Cheque Processing Charges<\/td><td>\u20b925<\/td><\/tr><tr><td>Card Transfer Charges<\/td><td>\u20b9199+GST<\/td><\/tr><tr><td>Reward Redemption Fees<\/td><td>\u20b999+GST<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>15% of the due amount.Min. \u20b910 and max. \u20b91,300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1There are numerous charges linked to credit cards, so avoid adding late payment fees to the list. Use <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a> to pay your credit card bills on time by getting monthly reminders. Make secure payments and track every bill easily from one simple dashboard.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The AU Altura Credit Card annual fee is waived in the 1st year on spending of \u20b910,000 within 90 days, and from the 2nd year on annual spending of \u20b940,000.<\/li>\n\n\n\n<li>Cashback benefits are capped at a maximum of \u20b950 per statement cycle across all eligible transactions.<\/li>\n\n\n\n<li>The Altura Credit Card has a higher variant called the AU Altura+ Credit Card, which has a joining and annual fee of \u20b9499+GST per year.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1775822937305\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the eligibility criteria for an Altura Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>AU Altura Credit Card application eligibility requires you to be an Indian resident. Salaried applicants must be 21\u201360 years old, while self-employed applicants should be 25\u201365 years old. Add-on cardholders must be above 18.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775822959386\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the key features of Instant EMI?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Instant EMI lets you convert purchases into EMIs with flexible tenures of 3 to 24 months. A processing fee of \u20b9199+GST applies, and you can select EMI at checkout or store.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775822979358\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the key timelines for the insurance claim process?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You must report the claim within 30 days and submit documents within 60 days. The card must be active with at least one transaction in the last 180 days.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775822999897\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the important limits under the card protection cover?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cash in transit is covered only within 6 hours of withdrawal. Purchase protection remains valid for 90 days from the purchase date, subject to policy conditions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775823016801\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can I set credit card limits easily?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Open the AU 0101 app and select your credit card section. Go to manage limits, adjust usage settings for channels like online, POS, or ATM, and confirm securely using MPIN.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The AU Altura Credit Card offers simple cashback benefits on everyday spending. You earn 2% cashback on grocery, departmental store, and utility bill payments, and 1% on other retail spends. Certain categories like fuel, rent, wallet, education, and government payments are excluded. The card comes with a joining and annual fee of \u20b9199+GST. [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":86210,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86209"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86209\/revisions"}],"predecessor-version":[{"id":86222,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86209\/revisions\/86222"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86210"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}