AU Altura Credit Card 2025
Save up to ₹25,000+ every year with 5X rewards, 4 lounge visits & almost free card!
If you spend ₹10,000+ every month, the AU Altura Credit Card Card is one of the highest rewarding entry-premium cards in India!
You get 5X reward points on spends above ₹10,000/month (2X below), ₹500 Amazon/Flipkart voucher on joining, 4 domestic lounge visits, 1% fuel waiver, zero forex on UPI (up to ₹5,000), and only ₹499 annual fee waived on just ₹50,000 spend.
Reward points never expire & redeem for cash, vouchers, flights at 1 pt = ₹0.25!
Why This Is The Best Entry-Premium Card in 2025?
5X above ₹10K • ₹500 welcome • 4 lounge visits • Fee waiver on ₹50K • Never-expiring points • Zero forex UPI
Best for: Moderate spenders, lounge users, reward hunters, AU customers
Card At a Glance
₹499 + GST
₹499 + GST (Waived on ₹50K)
5X above ₹10K | 2X below
Reward Points (Never Expire)
4 Domestic/year
₹500 Voucher
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST (Waived on ₹50K spend) |
| Welcome Benefit | ₹500 Amazon/Flipkart voucher |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 3.5% (0% on UPI up to ₹5K) |
| Interest Rate | 3.49% per month |
| Fuel Surcharge Waiver | 1% (max ₹400/month) |
Detailed Reward Rates (2025)
- 5X Reward Points on spends above ₹10,000 per month
- 2X Reward Points on spends up to ₹10,000 per month
- 1X Reward Points on wallet, rent, government
- Reward Points never expire
- 4 domestic lounge visits per year (1 per quarter)
Airport Lounge Access
4 complimentary domestic lounge visits per year (1 per quarter)
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- Purchase protection up to ₹50,000
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5X points above ₹10K/month | Only 4 lounge visits |
| ₹500 welcome voucher | 3.5% forex (except UPI) |
| 4 domestic lounge visits | |
| Very low ₹499 fee + easy waiver | |
| Points never expire |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Income: ₹30,000/month salary or existing AU customer
- Credit Score: 700+
- Documents: PAN, Aadhaar, salary slip/bank statement
How to Apply Online (5-Minute Process)
- Visit AU Small Finance Bank → Credit Cards → Altura
- Click Apply Now → Enter mobile
- Video KYC in 2 minutes
- Virtual card instantly, physical in 7 days
Final Verdict – Should You Get It in 2025?
If you spend ₹10,000+ every month, AU Altura gives you 5X never-expiring points + 4 lounge visits + ₹500 voucher for just ₹499 fee (easily waived). Best entry-premium card for moderate spenders in India right now — no-brainer!
Frequently Asked Questions (FAQs)
How many points above ₹10K?
5X reward points on every rupee above ₹10,000/month.
Fee waiver?
Yes, ₹499 waived on ₹50,000 annual spend.
Lounge access?
4 domestic lounge visits per year.
Points expiry?
Never — lifetime validity.