The AU Bank Altura Plus Credit Card lets you earn reward points on every swipe made for shopping, dining, and international transactions. It comes with an annual fee of ₹499. This card is a great choice for individuals seeking multiple benefits such as milestone rewards, cashback, fuel surcharge waiver, and attractive reward points.
The AU Bank Altura Plus Credit Card offers convenient contactless payments, fuel surcharge waivers, and attractive cashback rewards, making everyday spending more rewarding and hassle-free.
AU Bank Altura Plus Credit Card Rewards Program
Rewards
Earn 2 Reward Points per ₹100 spent on online transactions.
No cap on reward points earned.
Redeem Reward points for:
E-vouchers of top brands
Merchandise
Mobile/DTH recharges
Flight & hotel bookings, and more
Other Features and Benefits
Welcome Benefits
Get vouchers worth ₹500 on spending a minimum of ₹10,000 within 60 days of card activation.
Cashback
Earn 1.5% cashback on all POS retail spends at merchant outlets (up to ₹100 per statement cycle).
After reaching the cashback limit, continue earning 1 Reward Point for every ₹100 spent (except fuel) on POS.
Milestone Benefit
Earn 500 Bonus Reward Points when you spend ₹20,000 or more in a calendar month.
Railway Lounge Access
Enjoy 2 complimentary railway lounge accesses per quarter at select stations: Kolkata (Sealdah), New Delhi, Jaipur, Ahmedabad, Madurai, and Agra.
Fuel Surcharge Waiver
Get 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all petrol pumps in India.
Maximum waiver of ₹150 per statement cycle.
Card Liability Cover
Zero liability for fraudulent transactions after reporting card loss to the bank.
Protection against card counterfeit, skimming, and online frauds.
Xpress EMI
Convert transactions of ₹2,000 or more into easy EMIs.
Flexible repayment tenure options to suit your convenience.
Fees and Charges
Type of charge
Fee
Joining fee
NIL
Annual fee
Rs.499
Fee for an add-on card
NIL
Cash advance fee
2.5% of amount withdrawn, subject to a minimum of Rs.100
Revolving credit charge
3.49% per month (41.88% annually)
Minimum repayment amount
5% or minimum Rs.100
Limit for cash advance
40% of the credit limit
Overlimit charges
2.5% of overlimit amount, subject to a minimum of Rs.500
Credit card validation fee at lounges
Rs.2
Cash processing fee
NIL
Fee for processing an outstation cheque
Rs. 25
Fee for redeeming reward points
NIL
Late Payment Charges
Less than Rs.100: NIL
Rs.100 to Rs.500: Rs.100
Rs.501 to Rs.5,000: Rs.400
Rs.5,001 to Rs.20,000: Rs.500
More than Rs.20,000: Rs.700
Processing fee for balance transfer
1% of the balance transfer amount
This fee is subject to a minimum amount of Rs.250
Foreign currency mark-up fee
3.49%
Fee for duplicate physical statement request
Rs.100
EMI conversion fee
1% of the amount you convert into EMIs
The EMI conversion fee is subject to a minimum of Rs.250
Fee for reissue of lost/damaged/stolen credit card
Rs.100
Charge for Priority Pass Lounge
$27 plus taxes per person for every visit
Goods and Services Tax (GST)
18%
Things to Know Before you apply
Get this card if:
You want a low annual fee card with decent rewards.
You shop frequently online and want 2X reward points.
You travel by train often and can use complimentary railway lounge access.
You want milestone-based cashback on spending targets.
You prefer a card with both rewards and a fuel surcharge waiver.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For AU Bank Altura Plus Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
AU Bank Altura Plus Credit Card Hilights
What do we like about this card?
Receive ₹500 worth of vouchers on spending ₹10,000 or more within the first 60 days of card issuance.
Earn 2x reward points on every ₹100 spent on online purchases.
Get 1.5% cashback on transactions at merchant outlets.
Earn 1 reward point for every ₹100 spent on retail purchases.
Enjoy 500 bonus reward points on monthly spends of ₹20,000.
Pros
Up to 2X reward points on online purchases.
Welcome vouchers on card activation.
Complimentary railway lounge access.
Fuel surcharge waiver for savings on fuel spends.
Contactless payment facility for transactions up to ₹5,000.
Cons
Rewards rate on offline purchases is comparatively lower.
Lounge access limited to railway lounges (no airport lounges).
Interest-free period capped at 50 days.
GST of 18% applicable on all fees, charges, and interest.
Benefits may require meeting minimum spending criteria.
Au Bank Credit Card Contact Details
Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar, Jaipur – 302020, Rajasthan, India
AU Small Finance Bank
Cashback
Reward Points
Travel
