Rewards credit card · AU Small Finance Bank
AU Bank Altura Plus Credit Card
AU Bank Altura Plus Credit Card is a rewards credit card from AU Small Finance Bank. Users will get 2 reward points for spending ₹100. 1 reward point = ₹0.25.
- Joining fee
- ₹499 + taxes
- Annual fee
- ₹499 + taxes
- Forex markup
- 3.49%
- Interest
- 3.59% per month (43.08% annually)
Rewards & cashback
- Users will get 2 reward points for spending ₹100. 1 reward point = ₹0.25
- General cashback rate: 0.50%
- 1 reward point per ₹100 spend on Utility & Telecom and Insurance category spends
- Cashback rate: 0.25%
- 1.5% cashback on retail spends at merchant outlets (Maximum cashback per statement cycle is ₹100)
Milestone benefits
- Customers get 500 bonus reward points when they do ₹20,000 retail spending or more in a calendar month
Airport lounge access
- 2 complimentary railway lounge access per calendar quarter
More benefits & features
- 2 complimentary lounge access per calendar quarter
Fees & charges
- Joining fee
- ₹499 + taxes
- Annual fee
- ₹499 + taxes
- Foreign currency markup
- 3.49%
- Interest rate
- 3.59% per month (43.08% annually)
- Late payment
- 1%. Waived for fuel transactions done between ₹400 and ₹5,000, across all fuel stations in the country (Maximum ₹150 per statement…
- Cash advance
- 2.5% of amount withdrawn, subject to a minimum of ₹100
- Fuel surcharge
- 1%. Waived for fuel transactions done between ₹400 and ₹5,000, across all fuel stations in the country (Maximum ₹150…
- Billing cycle
- 30 Days
- Other fees
- 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…
Pros and cons
What works well
- Users will get 2 reward points for spending ₹100. 1 reward point = ₹0.25
- General cashback rate: 0.50%. 1 reward point per ₹100 spend on Utility & Telecom and Insurance category spends
- Cashback rate: 0.25%
- 1.5% cashback on retail spends at merchant outlets (Maximum cashback per statement cycle is ₹100)
- Customers get 500 bonus reward points when they do ₹20,000 retail spending or more in a calendar month
- 2 complimentary railway lounge access per calendar quarter
Worth knowing
- No airport lounge access available
- No free movie tickets
- Low cashback rate
Who can apply
- Primary cardholder between the age of 21 years and 60 years
- Add-on cardholder should be over 18 years Resident Indian
How to apply
- Visit the AU Small Finance Bank website and navigate to the Altura Plus Credit Card page
- Click on "Apply Online"
- Enter your mobile number and PAN details
- Accept the terms and conditions and generate an OTP
- Fill out the online application form, providing accurate information about yourself, your income, and employment
- Upload the necessary documents, which may include proof of identity, address, and income
- Submit the application form
More AU credit cards
Details come from information published by AU Small Finance Bank and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.
