Credit Cards · Honest Review

AU Bank Altura LIT Credit Card

AU Small Finance Bank · Visa

₹499Annual fee
2.00%Base rate
₹25KMin income/mo
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Your Verdict

AU Bank Altura LIT Credit Card
AU Small Finance Bank · Visa
  • ✓Customisable rewards — choose your own bonus category each month
  • ✓5X on chosen category (shopping or dining)
  • ✓2X on all other spends
  • ✓Switch categories monthly via AU app
  • ✓₹499 fee waived at ₹1.5L annual spend
₹499/yrAnnual fee
₹499
Annual fee
2.00%
Base reward rate
None
Lounge access
Good
CIBIL score
Our verdict
The AU Altura LIT Credit Card is uniquely flexible — choose your 5X bonus category (shopping or dining) every month via the app to match your spending pattern. At ₹499 (waived at ₹1.5L), it's the best customisable rewards card in the entry-mid tier.
Fees & charges

What AU Bank Altura LIT Credit Card costs you

AU Bank Altura LIT Credit Card carries a ₹499 annual fee and a ₹499 one-time joining fee. The annual fee is waivable: Spend ₹1.5L/year.

FeeAmount
Annual fee (year 2+)₹499
Joining fee (one-time)₹499
Fee waiver conditionSpend ₹1.5L/year
Spend required for waiver₹1,50,000 / year
Foreign transaction fee (forex markup)Not disclosed / standard rates apply
Rewards & cashback

What you earn on every rupee spent

AU Bank Altura LIT Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping, dining & food and other bonus categories listed below.

CategoryReward rate
All other spends (base rate)2.00%
🛒 Online Shopping5%
🍽️ Dining & Food5%
5%
Online Shopping
5%
Dining & Food

Reward types: Points

Benefits & perks

Beyond the reward rate

The non-reward benefits on AU Bank Altura LIT Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
No lounge access
This card does not include airport lounge access.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
Eligibility

Who can apply for AU Bank Altura LIT Credit Card

AU Bank Altura LIT Credit Card requires a minimum net monthly income of ₹25,000 for salaried applicants. It is open to salaried employees and self-employed professionals.

₹25,000
Min monthly income
21–60
Age (years)
RequirementDetail
Minimum monthly income₹25,000
CIBIL scoreNot specified — clean history expected
Age range21–60 years
Employment typeSalaried, Self-employed
Typical approval time7–10 working days
Verdict

Who should (and shouldn't) get AU Bank Altura LIT Credit Card

✅ Best for
  • → Heavy spenders on online shopping who want 5% back
  • → Heavy spenders on dining & food who want 5% back
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
  • → Frequent flyers who need airport lounge access
Frequently asked questions

AU Bank Altura LIT Credit Card — Questions answered

What is the annual fee for AU Bank Altura LIT Credit Card?
The annual fee is ₹499 from year 2 onwards, with a one-time joining fee of ₹499. The fee is waivable: Spend ₹1.5L/year.
What is the minimum income required for AU Bank Altura LIT Credit Card?
Salaried applicants need a minimum net monthly income of ₹25,000. Self-employed applicants typically need equivalent annual income proof.
What is the reward rate on AU Bank Altura LIT Credit Card for online shopping?
AU Bank Altura LIT Credit Card earns 5% on online shopping with no monthly cap. On all other spends, the base reward rate is 2.00%.
Does AU Bank Altura LIT Credit Card provide airport lounge access?
AU Bank Altura LIT Credit Card does not include airport lounge access as a standard benefit. If lounge access is a priority, consider upgrading to a premium variant or a dedicated travel card.
How do I get the annual fee waived on AU Bank Altura LIT Credit Card?
The annual fee on AU Bank Altura LIT Credit Card is automatically waived when you meet the spend threshold: Spend ₹1.5L/year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
How long does it take to get AU Bank Altura LIT Credit Card approved?
Most applications for AU Bank Altura LIT Credit Card are processed within 7–10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.