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AU Small Finance Bank Altura Plus Credit Card

AU Small Finance Bank Altura Plus Credit Card

उत्पाद विवरण
Joining Fee: 

Renewal Fee: 

Card Type:

Reward Type:

Welcome Benefits:
0

Rewards & Benefits

Welcome Benefits

 On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.

Milestone Benefits

annual fee reversal on spending inr 1,00,000 on the card.

Cashback Rate

cashback rate: 1. cashback rate: 1. cashback rate: 0.

Lounge Access

0

Movie Benefits

8

Dining Benefits

Other Benefits

reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.

दोष
  • No airport lounge access available. 

  • No free movie tickets.

  • Low cashback rate. 

  • 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. 

पक्ष विपक्ष
Welcome Benefits

None

पुरस्कार प्रणाली

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).

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

3.49%.

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

 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

फ़ायदे
  • Cashback rewards.

  • Complimentary access to railway lounges.

  • Zero liability protection against a lost card.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
  • 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.

सम्पर्क करने का विवरण

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

खाता खोलने की प्रक्रिया और प्रक्रिया

विशेष विशेषता, पात्रता और लाभ

Pros:-

Change the text to include your own content. Adjust the font, size or scale to customize the style.

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

उत्पाद समीक्षा
फीस एवं प्रभार
  • 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%.

ईंधन अधिशुक्ल

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.

फीस एवं प्रभार
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