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AU Bank Altura Plus Credit Card

17.5

Rewards & Benefits

Welcome Benefits

None.

Milestone Benefits

Milestone Benefit: Customers get 500 bonus reward points when they do INR 20,000 retail spending or more in a calendar month.

Cashback Rate

  • 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).

Movie Benefits

None.

Dining Benefits

None.

Other Benefits

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

Lounge Access

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

Rewards & Benefits

Welcome Benefits

None.

Milestone Benefits

Milestone Benefit: Customers get 500 bonus reward points when they do INR 20,000 retail spending or more in a calendar month.

Cashback Rate

  • 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).

Movie Benefits

None.

Dining Benefits

None.

Other Benefits

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

Lounge Access

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

Fees & Charges

Joining Fee

Rs 499 +taxes.

Annual Fee

Rs 499 +taxes.

Cash Advance Fee

2.5% of amount withdrawn, subject to a minimum of ? 100.

Interest rate

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

Late Payment Fee

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.

Foreign Currency Transactions Fee

Foreign Currency: Mark up Fees: 3.49%.

Other Fees

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 | Cash Advance Charges 2.5% of amount withdrawn, subject to a minimum of ₹ 100.

Fees & Charges

Joining Fee

Rs 499 +taxes.

Annual Fee

Rs 499 +taxes.

Cash Advance Fee

2.5% or ?500 whichever is higher

Interest rate

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

Late Payment Fee

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.

Foreign Currency Transactions Fee

Foreign Currency: Mark up Fees: 3.49%.

Other Fees

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.

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

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

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.

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

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