AU Altura Credit Card Review (2026)
AU's mid-tier all-rounder. 5x on dining, 4x on online shopping and entertainment, with lounge access at just 499/year.
Last updated: 2026-05-08· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹499 |
| Joining Fee | ₹499 |
| Fee Waiver | Spend 1L in a year |
| Income Required | ₹3.5L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: AU Reward Points
Milestone Benefits
500 bonus reward points on spending 1L
Lounge Access
Our Review
The Altura is AU Bank's attempt to compete with mid-tier cards from bigger banks, and on raw numbers, it holds up well. The 5x on dining and 4x on online shopping are competitive with cards costing 2-3x more. The 4 lounge visits at 499 is a good add. The catch is the AU ecosystem — reward point redemptions are limited, the app needs improvement, and getting customer service resolution can take longer than with larger banks. If you're already an AU Bank customer or have a branch nearby, the Altura is a genuinely good mid-tier option. For everyone else, the proven reliability of HDFC Millennia or Axis ACE may be worth the slightly different benefit structure.
Pros & Cons
Pros
- + 5x on dining covers both restaurant and food delivery spending
- + 4x on online shopping and entertainment — good spread of categories
- + 4 domestic lounge visits at 499/year
- + Competitive 2x base rate for a mid-tier card
Cons
- - AU reward point redemption options are very limited
- - AU Bank's app and digital experience lag behind major banks
- - Limited branch network can make issue resolution harder
- - Less trusted brand compared to HDFC, ICICI, or SBI
Best For
Frequently Asked Questions
Is the AU Altura Credit Card worth it in 2026?
It depends on your spending. The AU Altura Credit Card costs ₹499/year (waiver: Spend 1L in a year). With an effective base return of 0.4%, you'd need to spend approximately ₹1.2L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the AU Altura Credit Card annual fee?
The AU Altura Credit Card has an annual fee of ₹499. Joining fee is also ₹499. Fee waiver: Spend 1L in a year.
What is the minimum salary required for AU Altura Credit Card?
The minimum annual income required for the AU Altura Credit Card is ₹3.5L. However, if you have an existing banking relationship with AU Small Finance Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on AU Small Finance Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.