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AU Small Finance Bank Altura Plus Credit Card

MyRupaya Ratings
average rating is 3 out of 5

MyRupaya Ratings

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: Users will get 2 reward points for spending INR 100. 1 reward point = INR 0.25. General cashback rate: 0.50%. 1 reward point per INR 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 INR 100).

  • 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

Users will get 2 reward points for spending INR 100. 1 reward point = INR 0.25. General cashback rate: 0.50%. 1 reward point per INR 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 INR 100).

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

Recommended Credit Cards

Pros:-

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Cons:-

  • Reward System: Users will get 2 reward points for spending INR 100. 1 reward point = INR 0.25. General cashback rate: 0.50%. 1 reward point per INR 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 INR 100).

  • 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. 

  • No airport lounge access available. 

  • No free movie tickets.

  • Low cashback rate. 

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.

AU Small Finance Bank Altura Plus Credit 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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