Best Credit Card

All Benefits

  • Earn 2% cashback on spends at grocery stores, departmental stores, and utility bill payments, capped at ₹50 per statement cycle
  • Earn 1% cashback on all other eligible retail spends, capped at ₹50 per statement cycle
  • Get an additional ₹50 cashback on completing ₹10,000 or more in retail spends in a statement cycle
  • Enjoy 2 complimentary railway lounge visits per calendar quarter at select railway stations using your AU Altura Credit Card
  • Add-on cardholders can also avail railway lounge access within the shared complimentary visit limit
  • Avail a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 across fuel stations in India
  • Fuel surcharge waiver is capped at ₹100 per statement cycle , as per bank terms

Fees

Joining Fee The joining fee will be waived if cumulative retail spends of ₹10,000 or more are completed within 90 days from card activation, as per bank policy.
₹235
₹199 + GST
Annual Fee The first-year annual fee is waived if you complete ₹20,000 or more in retail spends within 90 days of card setup, and from the second year onwards, the annual fee is waived when you spend ₹80,000 or more on retail purchases in the previous card anniversary year, as per bank policy.
₹235
₹199 + GST

Eligibility

Age
21-60 years
Salary
₹30K / Month
Credit Score
725+

Bank Fee Structure

Forex Markup 3.49% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency ₹100 = ₹3.49 ₹1,000 = ₹34.9 ₹10,000 = ₹349 ₹1,00,000 = ₹3,490
3.49%
Finance Charges (APR) Finance charges of 3.75% per month ( 45% per annum) is charged on unpaid dues and cash advances until repaid
3.75%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.50%
Reward Redemption A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request
₹99
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges
As prescribed by IRCTC / Indian Railways
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment ₹25 applies only on outstation cheques | Cheque Bounce: 2% (min. ₹500)
₹25
Cash Payment A cash payment fee of ₹100 per transaction is applicable when credit card dues are paid in cash at AU Bank branches
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹101 - ₹500₹100
₹501 - ₹5000₹500
₹5001 - ₹10000₹700
₹10001- ₹20000₹800
₹20001- ₹50000₹900
₹50001 and above₹1100

If the minimum amount due is not paid by the due date, a late payment fee ranging from ₹100 to ₹1,100 (based on the outstanding amount) will be charged as per AU Bank’s schedule of charges, with GST applicable

Reward Exclusions

Rent PaymentFuel SpendsInsurance PaymentsEMI SpendsATM Cash WithdrawalsJewellery PurchasesEducation SpendsGovernment-related TransactionsWallet LoadsAll ReversalsGambling TransactionsToll PaymentsSecurity Broker ServicesCharityRailwaysUtility Bill PaymentsBalance TransferFinancial Charges

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility; please review the features and benefits of the card offered carefully before submitting your application
  • A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards.

Full charges and terms: Bank MITC / Terms