Shop & Earn Cashback
1.5% Cashback on offline spends
Shop & Earn Reward Points
2X Reward Points on Online Spends
1 Reward Point per ₹100 on Offline Spends*
Milestone Offering
Get 500 Bonus Reward Points on retail spends* of ₹20,000 or more in a calendar month
Travel In Leisure
with 8 complimentary railway lounge access every year.
Fuel Your Savings On Every Refuel
Enjoy 1% Fuel Surcharge Waiver (up to ₹150) for transactions between ₹400 and ₹5,000 at all fuel stations across the country
Complimentary Device Protection Plan
Free insurance and extended warranty on mobile and electronic purchases.
Card Liability Cover
Stay safeguarded against card misuse.
Contactless Card Usage
Enjoy hassle-free and pin-free payments at participating merchants for amounts up to ₹5000.
Xpress EMI
Easy EMI options available on transactions of ₹2000 or more on select tenure of your choice.
Add-On Cards
Extend our love to your loved ones with add-on cards for free.
Things to know
Eligibilty
- Primary cardholder age group
- Self Employed: 25 years to 65 years
- Salaried: 21 years to 60 years
- Add-on cardholder
- Should be over 18 years
- Resident Indian
These criteria are only indicative. AU Small Finance Bank reserves the right to approve or decline applications for Credit Card.
Fees & Charges
- Annual Membership Fee: ₹499 + GST
- For 1st year fee waiver – ₹20,000 retail spends done within 90 days of card set up
- For 2nd year onwards fee waiver – ₹80,000 retail spends done in previous card anniversary year
Click here to view Key Fact Statement.
Quick links
Why AU
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National presence
Bank with us through a network of 2,700+ touchpoints .
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
Bank anywhere anytime, on the AU 0101 mobile app
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View balance and transactions
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Download account statement
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Request cheque book
40+ lakh customers banking on app
Not sure which product is right for you?
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Personal assistance
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No spam
Customer support
24x7 help
Altura + Credit Card FAQs
Can I register my RuPay Credit Card on UPI, if my mobile number on the UPI application is not linked to RuPay Credit Card?
To register your RuPay Credit Card on the UPI application, you must have the same mobile number linked with your RuPay Credit Card and UPI application.
How can I link my AU RuPay Credit Card to the UPI application if I have changed my mobile number?
If you have changed your mobile number, you must update the same for the RuPay Credit Card too. After updating, you will need to re-register their Credit Card on the UPI application.
Can I link my VISA/Mastercard Credit Card to a UPI application?
At the moment, RBI has allowed only RuPay Credit Cards to link with UPI applications.
Do I get Reward Points or cashback for doing transactions on a RuPay Credit Card?
AU RuPay InstaPay Credit Card offers extensive cashback of 1% on selected merchant categories capped at ₹100 per statement cycle.
Can I convert a UPI transaction on my RuPay Credit Card to EMI?
Yes, you can convert their eligible RuPay Credit Card transactions to EMI.
Will I be able to make payments to all the UPI-enabled merchants across the globe?
At the moment, you can only make transactions on domestic merchants via UPI-enabled RuPay Credit Card.
How do I link my RuPay Credit Card to the UPI application?
- Download the UPI Third Party Application (BHIM, PayTm and Mobikwik) from the Play Store/App Store.
- Verify the mobile number on the UPI Application and complete registration on the application.
- After registration, select the option “Add Credit Card/ Link Credit Card”.
- Select Credit Card Issuer Bank (AU Small Finance Bank).
- Select your AU Small Finance Bank Credit Card to be linked.
- Confirm the details displayed on the screen.
- Proceed to generate UPI PIN (if not already done).
Can I authenticate UPI transactions using an AU Small Finance Bank RuPay Credit Card PIN?
No. You need to set a separate UPI PIN to authenticate payment transactions using an AU RuPay Credit Card via the UPI App.
How do I set my daily limit on UPI for my RuPay Credit Card or disable transactions?
A user can set the daily transaction amount limit for UPI on AU RuPay Credit Card transactions by setting the limit on POS Usage in the AU 0101 application. If they wish to stop UPI transactions on the AU RuPay Credit Card, they will have to disable the POS usage limit in the AU 0101 application.
