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AU Small Finance Bank Altura Plus Credit Card

Product Details
Credit Card Name : 

AU Small Finance Bank Altura Plus Credit Card

Bank Name :

AU Small Finance Bank

Type :

Rewards Credit Card

Interest Rate : 

3.59% per month (43.08% annually).

Eligibility :

•Primary cardholder between the age of 21 years and 60 years
•Add-on cardholder should be over 18 years
•Resident Indian

AU Small Finance Bank Altura Plus Credit Card
Pros
  • Reward System: 2X Reward Points (i.e. 2 Reward Points per INR 100 retail spends) for all your online transactions, 1 Reward Point per INR 100 spent on Utility, Rent, BBPS, Insurance, and Education & Govt. category spends. 1.5% Cashback on all POS retail spends done at merchant outlets. 

  • Milestone Benefit: Customers get 500 Bonus Reward Points when they do INR 20,000 retail spending or more in a calendar month.

  • Other Benefits: 2 complimentary railway lounge access per calendar quarter. 

Cons
  • No airport lounge access available. 

  • No free movie tickets.

  • Low cashback rate. 

Pros & Cons
Welcome Benefits

None

Rewards System

Reward System: Get 1 reward point on spending INR 100. 1 Reward Point = INR 0.25. General cashback rate: 0.25%. 1.5% cashback on retail spends at merchant outlets (Maximum cashback per statement cycle is INR 100). 0.5% cashback rate on online spends (uncapped). 

International Forex Markup

3.49%.

Welcome Benefits and Reward System
Special Features

 2 complimentary lounge access per calendar quarter. 

Eligibility Criteria

•Primary cardholder between the age of 21 years and 60 years
•Add-on cardholder should be over 18 years
•Resident Indian

Benefits
  • Cashback rewards

  • Complimentary access to railway lounges

  • Zero liability protection against a lost card

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • 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.

Contact Details

Toll Free No: 1800 1200 1200
1800 26 66677
Email: customercare@aubank.in

Account Opening and Procedure
AU Small Finance Bank Altura Plus Credit Card

Altura Plus Credit Card though marketed as a premium credit card by AU Small Finance Bank, does not have any benefits offered by a typical premium credit card. Users looking for premium credit card will be disappointed by this card.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Annual/joining fee: Rs 499 +taxes.

  • For 1st year fee waiver – Rs.20,000 retail spends done within 90 days of card set up.

  • For 2nd year onwards fee waiver – Rs. 80,000 retail spends done in previous card anniversary year.

  • Cash Advance Charges 2.5% of amount withdrawn, subject to a minimum of ₹ 100.

  • Fuel Surcharge: 1%. Waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum INR 150 per statement cycle)
    Late Payment fees: Rs 0 to Rs 1100 for outstanding amount ranging from Rs 0 to Rs 50,000 + amount.

  • Interest Rate: 3.59% per month (43.08% annually).

  • Foreign Currency: Mark up Fees: 3.49%.

Fuel Surcharge

1%. Waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum INR 150 per statement cycle)

Billing Cycle

30 Days.

Fees & Charges
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