ELIGIBILITY CRITERIA
Primary cardholder:
- If self-employed: Age 25–65 years
- If salaried: Age 21–60 years
Add-on cardholder must be 18 or older.
Cardholders must be resident Indians.
WELCOME BENEFITS
No explicit welcome or joining perks are listed on the official page beyond standard benefits (cashback, lounge access, liability cover).
CARD REVIEW
The AU Altura Credit Card is best suited for individuals with modest-to-moderate monthly spending on groceries, utilities, and daily retail — especially if they want a low-cost, simple cashback card. It offers decent value for money thanks to low fees, a reasonable path to an annual fee waiver, cashback on everyday expenses, and added perks like lounge access and EMI conversion. However, limitations include low cashback caps, exclusions on fuel/rent/cash transactions, and minimal benefit for heavy spenders or those seeking richer rewards or travel perks.
