AU Bank Altura Plus Credit Card
AU Bank AU Bank

AU Bank Altura Plus Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹499 Plus Applicable Taxes

Renewal Fee: ₹499 Plus Applicable Taxes

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The AU Small Finance Bank Altura Plus Credit Card s tailored to offer a mix of cashback, rewards, and travel benefits. This credit card comes with a joining fee of ₹499. You can also get your annual fee and joining fee waived by reaching certain spending milestones. This credit card can make your online and offline transactions rewarding. With this credit card cardholders can earn various benefits in the form of rewards, milestone bonuses, complimentary railway lounge access, and fuel surcharge waivers.

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All You Need To Know

Card Type

Rewards & Travel

Welcome Rewards
  • Vouchers: Cardholders receive vouchers worth ₹500 by spending a minimum of ₹10,000 on retail purchases within 60 days of card setup.
Cashback and Rewards Program
  • POS Retail Spends: This credit card offers 1.5% cashback on all POS retail transactions at merchant outlets, capped at ₹100 per statement cycle.
  • Online Transactions: Cardholders also earn 2 reward points on the spend of ₹100 on online purchases, with no maximum cap on reward points.
  • Additional Rewards: After reaching the maximum cashback limit, cardholders earn 1 reward point for every ₹100 spent on POS retail purchases.

    • Also remember that categories such as Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee, and Charges are excluded from the 10X Reward Points threshold.

Milestone Benefits
  • Monthly Bonus: On spending ₹20,000 or more in a calendar month cardholders earn 500 bonus reward points.
Travel Benefits
  • Railway Lounge Access: It offers 2 complimentary railway lounge accesses per calendar quarter at select railway stations, including Kolkata (Sealdah), New Delhi, Jaipur, Ahmedabad, Madurai, and Agra.
Fuel Surcharge Waiver
  • Waiver Details: Cardholders can avail 1% fuel surcharge waiver on transactions ranging from ₹400 to ₹5,000 across all petrol pumps in India. But it has a maximum fuel surcharge waiver limit of ₹150 per statement cycle.
Additional Benefits
  • Card Liability Cover: Zero liability offers protection against fraudulent transactions after reporting the loss of the card to the bank. This includes protection against card counterfeit/skimming and online fraud.
Fuel Surcharge Waiver
  • Xpress EMI: Easily convert your transactions of ₹2,000 or more into easy EMIs with flexible repayment tenures.

AU Altura Plus Credit Card Eligibility:

Eligibility Criteria of AU Altura Plus Credit Card

  • Occupation: Available for both salaried and self-employed individuals.
  • Age: Applicants should be between 21 and 60 years of age.

    • Income:

  • Salaried Applicants: Minimum net monthly income as specified by the bank.
  • Self-employed Applicants: Minimum annual income as per the bank's criteria.

Documents Required For AU Altura Plus

  • Proof of Identity: PAN Card, Aadhaar Card, Passport, Voter ID, or Driver’s License.
  • Proof of Address: Aadhaar Card, Passport, Utility Bill (not older than 3 months), or Rental Agreement.
  • Proof of Income:

    Salaried Applicants: Latest salary slips (not older than 3 months), Form 16, or last 3 months' bank statements.

    Self-employed Applicants:

    Last 3 years' Income Tax Returns with computation, Audited financial statements

Note: AU Bank may request additional documents as per their internal policies.

Fees and charges that apply to AU Altura Plus Credit Card:

Fee / Charge Amount/Rate
Annual Fee ₹499 + Applicable Taxes (waived upon spending ₹20,000 on retail within 90 days of card setup)
Joining Fee ₹499 + Applicable Taxes (waived upon spending ₹80,000 on retail in the previous card anniversary year)
Finance Charges 3.49% per month
Late Payment Charges -Up to ₹100: Nil- ₹101 to ₹500: ₹100- ₹501 to ₹5,000: ₹500- ₹5,001 to ₹10,000: ₹700- ₹10,001 to ₹20,000: ₹800- ₹20,001 to ₹50,000: ₹900- Above ₹50,000: ₹1,100
Foreign Currency Markup 3.49% on all foreign currency transactions
Cash Advance Charges 2.5% of the transaction amount or ₹100, whichever is higher

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FAQs

The AU Altura Plus Credit card has a joining fee of ₹499 plus applicable taxes. You can get your annual fee waived by spending ₹20,000 on retail purchases within the first 90 days of card setup.

This credit card offers 2 reward points per ₹100 spent on online transactions to the Cardholders, with no cap on the reward points. Additionally, after reaching the maximum cashback limit on POS retail spends, you earn 1 reward point for every ₹100 spending on POS retail purchases.

It is very easy to redeem the reward points earned on your AU Altura Plus Credit Card through the AU Rewardz portal. You can use your rewards for flight and hotel bookings, DTH and mobile recharge, merchandise, and gift vouchers. Each reward point is equivalent to ₹0.25.

Yes, AU Bank charges a reward redemption fee of ₹99 plus applicable taxes is charged for each redemption request.

Yes, the AU Altura Plus Credit Card provides concierge services to assist with various personal and professional tasks. You can reach the AU Bank concierge desk by calling the toll-free number 1800-210-0298 or 022-42320298. citeturn search

No, there is no cap on the reward points you can earn for online transactions. You will earn 2 reward points for every ₹100 spent online without any maximum limit.

You can convert your transactions of ₹2,000 or more into easy EMIs with flexible repayment tenures. You can easily avail this facility by contacting AU Small Finance Bank's customer service or through the bank's mobile app or internet banking platform.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

Check if you are eligible for AU Altura Plus Credit Card on
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